I also work in tech for one of the big investment banks and agree with the author's thesis. Essentially, the banks are going to continue to replace their proces

I also work in tech for one of the big investment banks and agree with the author's thesis. Essentially, the banks are going to continue to replace their processes with technology solutions in all areas of the institution, and it's already happened in many parts. It's just a matter of them moving slowly over time to make sure nothing breaks. Security, not negatively affecting customers, and not losing any data are the primary priorities. Those priorities are what keep adoption of technology slow.