I have seen this example before, but to me this neglects the aspect of using human intuition to understand how to, for example, send a wire through Citibank's s

I have seen this example before, but to me this neglects the aspect of using human intuition to understand how to, for example, send a wire through Citibank's site vs BofA's site. Without being argumentative, I think want to understand how this applies to APIs? (i.e. How could Citibank's hypothetical RESTful API teach my code how to send a wire transfer through their system if I had been using BofA for all previous transactions?) Or am I just flat-out missing a bigger point here?