@coolboy_joel
Bank apps are designed by banks/corporates with no inhouse desig teams/user experience teams. They usually float tenders and give it to an agency that is competent and doesn't charge much.
Google Pay is designed/made by well, Google?
@coolboy_joel
Because, they're designed so..
To reduce server load, and get maximum fast and fail free transactions for those who make transactions (from which banks actually make Money).