[jimbru]

I think there's progress happening, banks just tend to move slowly. Competition from fintechs may end up providing the banks some incentive to upgrade. The other problem is, as a consumer, you're probably last in line for new stuff. Businesses can demand new software or better economic terms and back that up with their (large) deposits loan book. Consumer deposit accounts, on the other hand, are often money-losers for banks; they only offer it as a cross-sell into mortgages or some other lending.