It is designed and conceptualised by people without any financial background. Basically bunch of software engineers who knows how to code.

They dont have any idea how finance people will use this product, what are their requirements, how transactions will work, etc.

Hence, it will end us irritating the finance professionals every now and then.

Better hire some finance professionals in your technical team and try to better it. Otherwise like Nokia and Blackberry, you are bound to fail, sooner or later.