Definitely agree and even more so today, these systems run everything, back when I started programming, most banks didn't even have online accounts so you mostly got to choose whether you used an app. Nowadays, you are using them whether you like it or not and the developer market, although still tight, is much more prolific now than before meaning there are plenty or average or not-so-good devs now compared to back when it was a niche thing for the cleverest (or most careful?) people.