Banks aren't technology companies. Someday a technology company will become a bank.
Do you have any informed opinions on Simple?
The banking system functions largely on the choice, application and integration of technology, and banking is more of a technology business than just about any other. And let's be fair here - Schwab is not a bank, and even among investment firms is an outlier with the noted bad practices.
They don't behave like Google or Facebook. Their DNA is not technical.