First Tech in the Pacific Northwest used to invent their own wheel, and it was great. Usable UI, 2FA; I had no complaints. Then they switched to what I assume is some pre-packaged SaaS. It's awful. Not even an attempt at MFA, just UID/PWD and off you go. UI sucks. Stuff doesn't work if you don't allow popups, but doesn't fail in such a way as to make root cause obvious ("here's an obscure error message with a string of hex numbers..."). I wish they'd go back to what they had.