this post was submitted on 06 Mar 2024
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I have too many gripes with banks and how they handle digital interactions.
They're a bunch of dinosaurs, both in what they support and how they support it. They're also in a position where they feel like they can do what they want and you just have to suck it up.
And for the most part, they're right, because all the banks are equally bad. A nontrivial number of the apps are just chrome running in an app window, security is a joke, they make you sign in with your card number which is plainly visible to anyone with eyes that is within a few meters of your card anytime you have it out of your wallet, they restrict your password so you can't use special characters or have it be long enough to actually provide real security, and they limit your 2FA options to SMS. Everything is terrible.
Even when you go into the bank or use the ATM, access is restricted by a fucking FOUR DIGIT NUMERICAL PIN and if you can even use a longer pin code, they don't tell you that and most systems assume your pin is four numbers and won't let you enter any more than that.
God forbid you lose your card, good luck going through the gauntlet of outdated information the bank is going to ask about for you to prove you are who you say you are.
They're all the fucking same and it infuriates me.
Banking tech is still run on FORTRAN and COBAL. It’s ancient and pretty much can’t be upgraded. Until there’s a major push for new technologies across all banking it’ll keep being this bad
They can create interfaces to buffer our experience with their back end (the COBOL running the actual transactions), which is largely what they're doing.
The COBOL back end basically just acts as the service that handles the data that represents the money and accounts.
Not having advanced security options, even as simple as complex passwords to allow clients to access their accounts can be managed by the intermediate layer between the COBOL service and the UI, and there shouldn't be a reason for such limited password length or restrictions on MFA.
The fact that COBOL runs they're back end doesn't excuse the terrible front end, especially on applications for mobile devices.
This has been thrown around as reason why things suck so hard, and bluntly, it's a piss poor excuse if you ask me.
Capital One provides OAuth for (budget) apps to access at least.