¿Por qué son las aplicaciones de los bancos tan poco accesibles?

En When security and accessibility clash: why are banking applications so inaccessible?:

Let's be real, regardless of your ability level, most banking applications are not particularly fun to use. They tend to be bogged down with difficult interfaces that could make a UX designer cry.

While using different bank applications, I’ve noticed a disturbing trend where so-called ‘security' features are actively making the website a more hostile experience for disabled users. Below, I've rounded up some of the worst anti-patterns to discuss how they are creating blockers for disabled people.