[rodgerd]

Programmers don't decide the UX. And any decent-sized bank will be pulled in different directions by:

1. The standard "enterprise problems": strategic partnerships dictating toolsets and so on.

2. The standard "big company problems": many business units acting as fiefdoms who will be arguing over how much real estate they need on customer-facing channels.

3. Tensions between customers who are scared of "money" and "online" and want everything locked down vs customers who want the latest whizz-bang everything.

4. Regulations.

5. Customers spanning a range from high-value rural farmers with vast sums of agribusiness who are stranded on dialup (yes, they exist), customers who do their banking on whatever their work PC is (XP and IE6 is still a thing - out biggest surge of the day is the 9 am rush when people log in from work to do their banking), through to customers who want the latest and greatest HTML5 webbery.

Saying, "fuck it we only support WebKit and high speed internet" is not really an option.