"Banks are another example. The software is horrible. Everyone knows it. Yet all that’s required is minimally working software that fails rarely enough that the

"Banks are another example. The software is horrible. Everyone knows it. Yet all that’s required is minimally working software that fails rarely enough that the bank can maintain their lock in." Big balls of mud at banks, are a liability these days. They are under increased competition from fintechs that are have better codebases and processes, and can add features much more quickly.