Oh I think its a mix of both. But I do not have your insight ofc, so just guessing. I think banks should move slowly and pay extra attention to security. Examp

Oh I think its a mix of both. But I do not have your insight ofc, so just guessing. I think banks should move slowly and pay extra attention to security. Examples like N26 show that not doing so can cause significant issues. But its also a great excuse to justify your vintage cruft.