I’d agree that they’re likely not as agile in terms of new trends/technology adoption, the question is whether that’s an intrinsically bad thing. I for one don’t join a bank because they’re running serverless
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I think this might be the crux of it — AFAICT, if BoA can securely store value, by whatever means, there's plenty more it can turn its attentions to: value-store customer acquisition, sure, but also evaluating loans & other asset acquisitions, financial management, retail, etc.
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All of that is predicated on ZERO FAILURES of the value-store system, despite failure of that particular system being the holy grail of the absolute best profit-seeking black hats. It makes sense to focus on bringing that in-house to strengthen it. Less so to cut costs.
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To be frank if you've implemented the right controls, your insurance will cover the rest in the unlike event of a breach
End of conversation
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