We have a bank account setup in Puerto Rico that we use to invest in property development projects in the States. Pain in the right royal arse to setup but worth the effort.
All comes down to cutting corners when it comes to user acceptance and quality assurance testing being done. I have worked on systems that are twice the size and complexity of those required by any Bank or SARS and never saw a PO for over a quarter of a billion.
No system costs 1Billion. My E-Filing was completely stuffed. I have spent the last week on the phone wit the very cool call center staff but they are simply out of their depth with the complexities caused by the snowball effect of implementing broken software.