Yep, a shocking amount of ad-hoc processes and standards held over from the 70s and earlier. Also, most surprising to me, very few people in the industry actua

Yep, a shocking amount of ad-hoc processes and standards held over from the 70s and earlier. Also, most surprising to me, very few people in the industry actually understand how it works. Most people have never met an actual banker. The people in your local bank branch are sales people and technicians. It is nearly impossible even to find someone who really knows what is going on under the hood, let alone get a meeting with them. And there is no documentation, no primer you can read to bring you up to speed the way you can learn about emacs or Javascript. It's all a good-old-boy network, and even finding an actual member of the club to talk to is nearly impossible.