I am not an engineer, but I feel the same way about payment systems. It is all so fragile when you peek behind the scenes that it is hard to justify using anything, but most basic services.
What kind of banks? Or do you mean bank as a generic name for a financial institution? Works as a function of payments? How it is intended to function vs how it actually works?
It seems like a very easy question, but it is admittedly hard for me to answer without some additional way to parse it.
