The problem is more likely one of regulation than technical knowledge. Banks hire very smart people who know that a lot of what they do is bullshit, but they're

The problem is more likely one of regulation than technical knowledge. Banks hire very smart people who know that a lot of what they do is bullshit, but they're paid to comply with banking and security regulations that lag a long way behind technical advances. Banks are also inherently conservative in their technical choices, and for good reason.