Generally, the code base is > 5 years old. Monolithic softwares As softwares were designed Years ago, there is little microservices, and no 12factor principles. No agile process Mostly waterfall process, ITIL compliant. Regulation Banks can’t do what they want. There is a lot of regulation and audits. Releases are manual Generally, release is a manual process with service interruption. Obsolete infrastructures There are still mainframe computers or specialized appliances like Sparc machines.