Sorry, but "the banks owners" line is nonsensical. It's a publicly traded company, the owners are all the stockholders and they're not running things.

And I don't understand the "didn't understand the new technology that makes banking easier". piece. There was different technology from a different bank, true. But "that makes banking easier"? What does that mean? Customers, at least Business customers who I exclusively dealt with before I left, took a step backwards with the M&T systems. There is nothing about their technology that makes banking/online banking "easier" that the old guard was mystified by.