Judging by screenshots in the article, I don't think that UI is as bad as described. Actually, it is better than UI of private commercial financial institutions

Judging by screenshots in the article, I don't think that UI is as bad as described. Actually, it is better than UI of private commercial financial institutions. It uses black letters on a white background, links are properly underlined, no annoying notifications from CEO, no full screen popups, no timers making you hurry, no attempts to upsell something unnecessary, no asking to subscribe for a newsletter, no deceiving descriptions that mention only good sides and conceal the risks. Regarding virtual keyboard, of course it would be better to use physical keys, but for reasons I don't understand they don't have a wide adoption that they deserve.