(skeletor is leading by example by adding that unnecessary apostrophe...)
Post memes here.
A meme is an idea, behavior, or style that spreads by means of imitation from person to person within a culture and often carries symbolic meaning representing a particular phenomenon or theme.
An Internet meme or meme, is a cultural item that is spread via the Internet, often through social media platforms. The name is by the concept of memes proposed by Richard Dawkins in 1972. Internet memes can take various forms, such as images, videos, GIFs, and various other viral sensations.
Laittakaa meemejä tänne.
This isn't really true. If it were the financial world would be incredibly unstable and untrustworthy, and nobody would keep their money in banks.
Banks do tend to be behind the leading edge because their systems are thoroughly tested and have to be stable. They have to be regularly audited and there's a lot of oversight. Change control processes are inherently slow. Given a choice between rapid and flexible or deliberate and reliable, banks will take the cautious route.