Actually, you could argue that the bank had the resources. It's just that one manager didn't want to share his with other people. People liked and used these a

Actually, you could argue that the bank had the resources. It's just that one manager didn't want to share his with other people. People liked and used these apps a lot at my bank too. And that's what made the problem worse. The apps didn't scale, the data was inconsistent or simply not structured (so it was hard to pump it into the main database) and the code was terrible, so it was very hard to add new features. These things work well for a while (not much data, few users), but when the going gets tough, IT pays the price.