I find it astonishing that a tier 2 bank can have so many disparate systems.
It has been my experience that not just banks have disparate systems. I know for a fact that high end stock and brokerage houses have the same problem as well, and there really is no end in site for this ailment.
So much of there software is internally facing, that quality control, modernization, and scalability are foreign terms to them.
This stems from legacy systems that have been doing a good job. The powers that be see no point in replacing something that works with an unknown quantity. History is full of instances of new software either failing to meet requirements or introducing new issues that have to be fixed/worked around.
We're philosophical about power outages here. A.C. come, A.C. go.
Now is it bad enough that you let somebody else kick your butts without you trying to do it to each other? Now if we're all talking about the same man, and I think we are... it appears he's got a rather growing collection of our bikes.