this post was submitted on 06 Mar 2024
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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.