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This is not surprising at all, and is not specific to Deutsche Bank or even banking in general. This is a property of large, bloated legacy companies in any fie

This is not surprising at all, and is not specific to Deutsche Bank or even banking in general. This is a property of large, bloated legacy companies in any field. There is also a large cultural component. Having lived both in The Netherlands and Germany, dealing with banks or government institutions is a stark difference. The large Dutch banks (eg. ING) are efficient, you can arrange everything online and they have modern apps. With German banks for every small administrative change we had to go to a physical office and the apps/website looked as if they were literally from 1999 (and weird security practices like using a pin to log in). Similar with government institutions, in NL almost everything can be arranged online with a single authentication method (everything from requesting a parking permit to filing for taxes). In Germany it's a lot of literal paperwork, going to offices, waiting in line, and no integration between administration of different public institutions. My wife (who is German) says that one factor is German history (nazis and the stasi), which makes people distrust any kind of central (digital) administration. So all databases are uncoupled from eachother, people prefer cash, etc. Another thing that is really stifling in Germany is the hierarchy, there is so much formalistic bullshit around company/government/... hierarchies. I experienced this a lot when working with the university administration (I was a researcher/lecturer at a German university). No one dares to make choices that can have some impact, afraid that higher-ups, the court, or whatever will punish them for making the wrong choice. So they hide behind rules and necessary decisions are not made/postponed. Almost no one stands up to their leadership, so even they have wrong ideas, there is rarely any counterbalance.

aleph_minus_one 3y ago
> My wife (who is German) says that one factor is German history (nazis and the stasi), which makes people distrust any kind of central (digital) administration. So all databases are uncoupled from eachother, people prefer cash, etc. True. > Another thing that is really stifling in Germany is the hierarchy, there is so much formalistic bullshit around company/government/... hierarchies. I experienced this a lot when working with the university administration (I was a researcher/lecturer at a German university). No one dares to make choices that can have some impact, afraid that higher-ups, the court, or whatever will punish them for making the wrong choice. So they hide behind rules and necessary decisions are not made/postponed. Almost no one stands up to their leadership, so even they have wrong ideas, there is rarely any counterbalance. This depends a lot on the company, and is something that you, in my experience, mostly experience at big companies, government-run companies and government agencies (this includes university administrations, even though at many faculties, things are completely fine (even many professors prefer to keep away from the university administration as far as it is possible in their job)). So, if you really don't like this, attempt to look for a smaller company as your employer and/or find a job in the private sector.

aleph_minus_one 3y ago

> My wife (who is German) says that one factor is German history (nazis and the stasi), which makes people distrust any kind of central (digital) administration. So all databases are uncoupled from eachother, people prefer cash, etc. True. > Another thing that is really stifling in Germany is the hierarchy, there is so much formalistic bullshit around company/government/... hierarchies. I experienced this a lot when working with the university administration (I was a researcher/lecturer at a German university). No one dares to make choices that can have some impact, afraid that higher-ups, the court, or whatever will punish them for making the wrong choice. So they hide behind rules and necessary decisions are not made/postponed. Almost no one stands up to their leadership, so even they have wrong ideas, there is rarely any counterbalance. This depends a lot on the company, and is something that you, in my experience, mostly experience at big companies, government-run companies and government agencies (this includes university administrations, even though at many faculties, things are completely fine (even many professors prefer to keep away from the university administration as far as it is possible in their job)). So, if you really don't like this, attempt to look for a smaller company as your employer and/or find a job in the private sector.