> happily using Not sure you can say they are 'happily' using the agglomeration of bolt on systems that they have pulled in over the years. There's remnants o

> happily using Not sure you can say they are 'happily' using the agglomeration of bolt on systems that they have pulled in over the years. There's remnants of Cheltenham and Gloucester, Halifax, Bank of Scotland, TSB (now spun out), Scottish Widows, Standard Chartered Bank (IIRC) and I think some parts of Abbey National. Those are just the one I remember and some of those are comprised of a mish mash of prior systems. Keeping all that going is likely a huge burden. Indeed, they charged TSB £100 million a year just to emulate TSB's part of the system so TSB could just keep using that until their subsequent merger.