To the degree that BofA has needs that are unique just to itself, and do not overlap other large business's use cases, this is true. But that seems like an awfully small degree.
A billion dollars sounds like a ton of money on HN, but that's a thousand person tech team for 3 or 4 years. It's enough to do some good tech, but it's very, very easy to spend that much engineering capacity.
This is 2 billion dollars per year. That’s 6-8,000 people working full time indefinitely. Further they don’t need to spend that on staff they can have a large dev team, better hardware, more bandwidth, a 100 person support team 24/7 365, and still save money.
