Because bank's principal job has been running ATMs for 40 or 50 years and it is run-the-bank stuff. If you look at internet banking (and how out of date and clu

Because bank's principal job has been running ATMs for 40 or 50 years and it is run-the-bank stuff. If you look at internet banking (and how out of date and clumbsy most of these systems are) you will see this effect. Change-the-bank stuff is what "suffers" from this. Retail banks' ATM and overnight payments systems are often 25-year-old pieces of software and hardware.