[acdha]

“Just” probably isn’t the right word: the tools have become easier but it still takes care to integrate all of the pieces to a smooth user experience. For example, no financial institution I’ve ever used has managed to link things that well despite orders of magnitude greater budget.

[tjoff]

>.[..] despite orders of magnitude greater budget.

That's likely to be the problem. Also, a financial institution has vastly more complex interactions than "same as last time?"

[acdha]

Sure, but they can’t even pass my phone or account number around. I’m not saying that the two businesses are comparable in complexity, only that nothing easy happens without someone behind the scenes working on the user experience.