The software isn't Citi-built though - it's Flexcube, which is an Oracle product. Still Citi's mistake (among multiple other mistakes along the way) for not a)

The software isn't Citi-built though - it's Flexcube, which is an Oracle product. Still Citi's mistake (among multiple other mistakes along the way) for not a) throwing their weight around and demanding new features or b) building something in-house.