I don't know. As a Singapore resident with way too many bank accounts, it seems like the most unstable experiences for me tend to be the banks that try to reinv

I don't know. As a Singapore resident with way too many bank accounts, it seems like the most unstable experiences for me tend to be the banks that try to reinvent features, like the aforementioned DBS. I'd speculate that shipping new features, not stability, is somewhat linked to career progression. It could also be because most Singapore banking apps end up using the same mobile security framework to pass their audits [1] — except that same security framework prefers security over user experience. [1] https://en.wikipedia.org/wiki/V-Key https://en.wikipedia.org/wiki/V-Key