It's not just big banks, small community banks (and credit unions) are at the mercy of convoluted system vendors as well. A system I know of includes many bare

It's not just big banks, small community banks (and credit unions) are at the mercy of convoluted system vendors as well. A system I know of includes many barely-integrated parts, most of which are from different vendors: - A core processing system - An online banking system - An add-on to the online banking system to provide "enhanced" logon security to comply with an FFIEC mandate - An add-on to online banking that provides online statements - An email-alerting system (think "your account is overdrawn") - A loan origination system - A loan servicing system - A CRM system - A document archiving system - A mobile banking "solution" The WTFs you find in these systems will boggle the mind, and seamless integration is maddening.