A fun thing that comes up again and again in finance is path dependence of technology choices. Example: https://www.zengin-net.jp/en/announcement/pdf/announcement_20161110_summary_e.pdf …
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So the choice is either a) build an entirely new system or b) revoke the assumption of ubiquity for all users. b unacceptable, so a chosen.
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You can see similar dynamics with e.g. checks, which are a product the banking industry would happily kill in the US, but can't.
End of conversation
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