Why are banks so stupid?

least it looks interestingI can't believe the stupidity of banks. I'm not referring to all the usual reasons for hating bankers (like their bonuses and breaking our economy) - but because their computer systems are so rubbish.
A lot of this stems from their philosophical inability to recognize weekends and bank holidays. 'What, us, work like normal people in a service industry? Do us a favour?' You might think they do work at the weekend. After all many banks are now 'open' on Saturdays. But that is just a shadow, a ghost of a bank, to fool you into thinking they care. All the transactions they make at the weekend or on bank holidays are saved up to go through on the next 'working day', because their computers don't believe it is really possible to work at the weekend.
Here's one ludicrous example. I have a standing order that goes out on the first of the month. If I go online today, 2 January, which this year is a bank holiday because New Year's Day is on a Sunday, and try to change this standing order I'm presented with the following conflicting information. When's the next upcoming payment? 1 January 2012 (as it won't be processed until the 3rd). Can I change the next transaction? No because you can't change a transaction in the past. But I want to change the next one. In the future. Argggh.
Picture from Wikipedia
Published on January 02, 2012 11:13
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