Yep, work in b2b banking as well and there is a huge issue with banking ‘test’ environments. Our partners (100s of companies, mostly banks/brokers/insurers/etc) mostly don’t even have test envs and if they do, they don’t represent production at all (sometimes the api is a completely different version etc). Our software allows to spin up a test/dev env locally or where ever but nothing much works without the partners and to dev/test those, those, you will have to dev/test against their production systems with real money.

In the beginning (more than 20 years ago), I insisted that we implement test systems ourselves so we didn’t have to test in production; that was naive; it was expensive and there is so much complexity that this does not work well.