That's before it is introduced into the government or a bank. Those environment tend to turn every trivial thing into a multi year project.

It takes three really nice and cleverly designed things that are all very easy to use separately. Then you put those things into the hands of smart, bored and slightly undercompensated people and divide those people into four separate departments so they don't ever talk with each other.

Then you introduce a fourth thing into the mix, let it ferment for a while and make sure some people dealing with the first three leave the building and are replaced with total imbeciles who have no idea what they are doing and also never say no to any silly idea of their boss.

Then you ask to change something. Anything really. And it for some magical reason unbeknown to anybody involved at this point takes a few years.