Why and what makes Banking Applications most complex?

I am listing few points below points that make Banking application a complex one,

1. Banking programs primarily deal with secret monetary information so the execution of program ought to be error-free and secure.
   
2. Developers lean toward a complicated plan to create these applications to guarantee the application runs in a craved secure manner.
   
3. Banking may be an always changing world. Managing an account, nowadays, is made accessible to the client utilizing diverse channels like brick & mortar branches, ATMs, online keeping money and client care.
   
4. With the appearance of innovation, numerous wallets have overwhelmed the markets which interface to the keeping money frameworks for monetary transactions.
   
5. Banking is additionally anticipated to be up and running 24 X 7 with high execution. Program updates, moment fixes, etc. cannot be permitted to affect this availability.
   
6. The banking world is additionally highly impacted by the steady changes brought in by the government within the shape of managing an account controls.
   
7. Any changes within the charge structure affect the keeping money framework as well.
   
8. The Banking framework moreover has to be up-to-date as distant as modern technologies like Big data processing.