Not very thoughtful 2c: success or failure of a bank is driven more by where you choose to invest your capital than trying to improve the consumer experience an

Not very thoughtful 2c: success or failure of a bank is driven more by where you choose to invest your capital than trying to improve the consumer experience and secure deposits. Due to the way the system is set up, the consumer is almost irrelevant in the equation. So while their might be some margin to squeeze in improving the consumer experience, it's probably insignificant vs. say, picking the right bundle of mortgages to buy. What about building a frontend as a service and selling it to other banks? That sounds like a better way to focus on a tech/product edge.