The other answers are better than mine, but essentially that’s just when the bank has chosen to do their own accounting – and it’s easier when you don’t have to deal with things happening while you’re counting up, so they either get processed pre-friday night or counted the next week post-monday morning even though they happen on sat/sun
My guess for why they don’t change that, is stability. A lot of banks are running on old (sometimes obsolete) operating systems too, same reason
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