I mean that because of past economic troubles, the whole system was integrated in the 80s. You can easily transfer between any two banks in any point in the country. The banks are also responsible for the safety of their ATMs and internet services so if your account is hacked, it's their responsibility and therefore they make sure it's safe (unlike in England where it's the customer's responsibility and the banks don't take security as seriously as they should). My card number was stolen once, and my bank immediately rolled back all the transactions the crooks had made. Also, if your bank goes under, your money is insured, but they rarely do because they are tightly regulated by the central bank. To sum it up: because we had so much economic turmoil, we ended up with a very safe banking system in both financial and technological terms.