I have worked on things like PSD2, a well oiled government-led machine that just works. There are some dysfunctional things, then there are things working perfectly fine.

You need to update your notes its not 90s.

Credit where credit is due, I think the strong centralization of the EU administration has made for better pan-European requirements and software.

Sometimes the perfectness of the product is less important than the fact that there was one opinionated decider.