One Core Banking System of a bank is so different from another that a customer changing a bank will have to de-learn and re-learn banking operations all over again. Coming to (b), the attention paid by the banks to database migration has been so casual that the full benefits of computerization and technology are yet to be reaped.
To put this in perspective, Australia ranks as the 14th largest economy in the world, so the Australian dollar trades more actively than might be expected given the size of the economy. Its relatively high position globally reflects the place the Australian dollar holds in portfolios of international funds managers because of the opportunities for diversification it affords.