It is definitely a mixed bag right now because while the user interface and feature sets of these apps have improved significantly, the underlying infrastructure often remains the same. Banks are clearly trying to compete by offering sleek designs and additional services, but these upgrades often act more like a fresh coat of paint rather than fixing the frequent server timeouts and reconciliation issues we deal with. It feels like they are prioritizing customer acquisition through aesthetics while the backend connectivity, especially during peak hours, continues to lag behind. Ultimately, until banks prioritize stability and real-time transaction integrity over just adding new buttons to an app, we are likely to keep seeing those same recurring frustrations.