Good old fashioned legacy systems. Decades and decades of consultants throwing garbage at more garbage. Endless uplift projects and corporate reshuffles slicing

Good old fashioned legacy systems. Decades and decades of consultants throwing garbage at more garbage. Endless uplift projects and corporate reshuffles slicing tech stacks in two, and sewing them back up. Banks are utterly famous for this stuff, and I think the new trend at least here in Australia is to start spin off 'neobanks' that begin with a fresh slate, but are still owned by their parent bank.