

Agreed.
A lot of the time the cause of bad UX or poor quality code is not the Devs, but management, one way or another. Either through pressure to build more to increasingly delirious timelines or by not looking after their company culture.
You tend to see nonsensical, disjointed product UX and usability decisions a lot more in bigger, highly hierarchical organisations, with big teams, highly specialised, siloed ICs several levels removed from their end users by layers and layers of middle management fat.
I imagine if HSBC put out apps like OP’s article claims is because they probably follow a command and control structure like above, where developers are just tiny cogs hyper-focused on low-level tasks in a bigger, complex corporate machine and nobody really understands the full picture.
Sure, on their own, but are they part of any defence treaties like NATO or have alliances with other countries strong enough to drag them into this conflict with Pakistan and start a world war?