The Online User Interface every Bank Should Provide

Every bank runs on software, the software they purchase to let them hire the cheapest employees possible. This is easy to do and only a few companies end up doing it.

All the banks all make money the same way; by accepting deposits, then loaning money out (often the same money) and pocketing the difference in interest rates. The same software keeps track of this also. This software is accurate, you can be certain of that.

This software is provided in modules, each module doing something different. If a bank wants to be cheap, it can use these same modules, put together differently, to make a user interface.

But they are often incompetent and end up with a defective user interface. The banks are pleased with themselves because they have saved some money, but the users are damaged.

All the world's banks are effectively one bank running the same software. Only the money is different - the money different people entrust to their care. The Government tries to make sure this is not stolen.

Except the bank's programmers in many countries are incompetent. Countries such as Costa Rica, where I live. The banks are incompetent, and the bank's users are incompetent also.

They should have written instructions, telling their customers how to access their accounts on their computers. But they don't.

The banks tell their users part of what they need to know, but only part. Costa Rica is a developing country, and one of the reasons for this is their incompetent banks.