On: Phone is still the best way to order pizza

[tjoff]

>.[..] despite orders of magnitude greater budget.

That's likely to be the problem. Also, a financial institution has vastly more complex interactions than "same as last time?"

[acdha → tjoff]

Sure, but they can’t even pass my phone or account number around. I’m not saying that the two businesses are comparable in complexity, only that nothing easy happens without someone behind the scenes working on the user experience.