Military programmers live 20 years in the past because the contracting system forces them too. The contracting people live in 1970. The actual flag officers in charge live like it's 1955.
Depends on the bank. I guess in US banks themselves are 20 years in the past.
My bank had this log-in setup, where you have your fixed password but also need to enter a password from your password card. This is being phased out and will not be available from Sep 1st. I myself have been using mobile signature/smart-id (https://www.smart-id.com) for years now. Other remaining options are using your ID card or passcode generators—like Google Authenticator but a physical device.
