Author here. Interesting thoughts, I agree most banks won't change because they don't even think they have a problem. Although there are a few modern banks who

Author here. Interesting thoughts, I agree most banks won't change because they don't even think they have a problem. Although there are a few modern banks who actually do use Linux, PostgreSQL and modern programming languages (not COBOL). :-) I've addressed many of your thoughts in this text: https://github.com/trustly/bankapi/blob/master/doc/rationale.md https://github.com/trustly/bankapi/blob/master/doc/rationale... I hope you will find it interesting.