> similar to how there's a lot going on behind the scenes in Google or ChatGPT

I would caution against maling this sort of comparison to tech companies. Speaking from personal experience, my vantage point is limited to Denmark, but banking isn't complicated like tech is. In tech the complications are all self inflicted, all serve to make the product. Banking interacts directly with the foundation of society. Most of the complication of banking is therefore not in service of the product, but in service of democracy.

That distinction affects the mentality and the "feel" of the complications a lot.