What kind of banks? Or do you mean bank as a generic name for a financial institution? Works as a function of payments? How it is intended to function vs how it

What kind of banks? Or do you mean bank as a generic name for a financial institution? Works as a function of payments? How it is intended to function vs how it actually works? It seems like a very easy question, but it is admittedly hard for me to answer without some additional way to parse it. Could you narrow it down a little?