> Once the software works, there is no reason to change it Well, except it doesn't work and banks are no doubt lobbying the government to avoid having to actua

> Once the software works, there is no reason to change it Well, except it doesn't work and banks are no doubt lobbying the government to avoid having to actually offer "innovative" new products. Their excuses to the government are no doubt "waaaaaahhh... we have all this legacy COBOL code and it would cost us MONEY to offer new services.... please protect us from any competition!!!" (where "innovative" means something other countries have had for decades)