It isn't, but it's not that far from being a serious comment. The old man has an ancient PC choking on dust under his desk that runs a QWS3270 terminal that up

It isn't, but it's not that far from being a serious comment. The old man has an ancient PC choking on dust under his desk that runs a QWS3270 terminal that updates the mainframe directly. If it's a big bank, the bank owns the mainframe. If it's a small bank, a vendor (probably Fiserv) does. Source: I've consulted for a lot of banks.