“Organizations which design systems (in the broad sense used here) are constrained to produce designs which are copies of the communication structures of these organizations.”
Melvin Conway
In other words, if your organization consists of significant bureaucratic nonsense, your app will likely reflect this.
Why does one have to pick specific features in order to create an Etrade account? I have to create multiple accounts? Is everything not just available in one standard account? Yikes.
Morgan Stanley today has 80,000 employees. Robinhood has 2300.