All of the bullcrap the banks are doing mostly serves one purpose: get you to buy more of their products at terms that are bad for you.
All the complaints I have against the UX of the banking websites and apps I use can be attributed to this: they do a shitty job on purpose, because the site/app is primarily a vector to upsell you loans, credit cards and insurance.
(All complaints except one: the bank I used for my business accounts when contracting decided to make an SPA with one of the trendy JavaScript frameworks. Well, they botched it. This failure doesn't even help them sell anything, it's just the usual webdev incompetence.)
Because part of it being shitty is obnoxiously advertising you financial products, making it hard to perform the tasks you want with your money without being upsold something, and making it near-impossible to use your account without going through the app/webapp (or a visit to the bank, or the ATM - which is also pushing ads).
We force companies to grow, I guess.
All of the bullcrap the banks are doing mostly serves one purpose: get you to buy more of their products at terms that are bad for you.
All the complaints I have against the UX of the banking websites and apps I use can be attributed to this: they do a shitty job on purpose, because the site/app is primarily a vector to upsell you loans, credit cards and insurance.
(All complaints except one: the bank I used for my business accounts when contracting decided to make an SPA with one of the trendy JavaScript frameworks. Well, they botched it. This failure doesn't even help them sell anything, it's just the usual webdev incompetence.)