The biggest problem I have found working where I do (a bank) is that the tech people (developers) have no business knowledge - zip. They develop software from users specs but have no insight into the business, This is my single biggest complaint and this clearly applies here too with Webbroker/TD dashboard. A clear lack of how a real user would use the system and how people trade, trade investments, etc. I don't expect developers to become experts in the business but a little knowledge would go a long way.
I somehow doubt that software developers for car engines have zero knowledge about how the internal combustion engine works.