Banks are in a rough spot, actually. The big ones have a HUGE installed base which makes any changes very, very difficult. My division of the bank had tens of

Banks are in a rough spot, actually. The big ones have a HUGE installed base which makes any changes very, very difficult. My division of the bank had tens of thousands of cobol jobs that ran daily or weekly. (We also had thousands of ETL jobs, web apps, etc. that depended on those cobol jobs.) Trying to shift the core functionality away the mainframe would have been a decade-long boondoggle.