It's not so much about velocity or quality, both of which LLM do (or will) provide.

The real question is about accountability and liability.

When a major data leak is going to happen, who will they sue or fire ? That is the value engineers provide. They understand, confirm, and take ownership.

Are banks that concerned about velocity? Because moving fast and breaking things in the banking sector can get extremely expensive. It's also not a who-gives-a-shit industry like operating a taxi service or hosting images, but a very tightly regulated sector.

I work in a large, established fintech and we're in no rush to shove LLMs everywhere. We have access to all the AI tooling we'd ever need with basically no limits, but AI or not, you're responsible for what you ship, so most people are less YOLO about the whole thing. From the quarterly surveys, most people in the co view it as a slight productivity boost but nothing dramatic, and most features we're releasing are still human reviewed anyways.