Why do banks still utilize legacy and mainframe systems, Other Management

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Why do banks still utilize legacy and mainframe systems

Question: Why do banks still utilize legacy and mainframe systems? Question options: 1) Because of regulation, which inhibits innovation by enforcing brunch-based products and processes 2) Banks fear their customers will not adapt to new systems 3) It is simply easier to just enable the digital version of the branch product or process 4) A and C 5) None of the above

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