Because Santander USA consists of a smaller, recently acquired, and converted northeastern US regional bank, it's chasing big-bank ambitions before actually building up it's operating technology, brand and reputation. Name recognition is entirely non-existent and can be a hurdle when looking to acquire affluent, and more established clientele. Simple things such as customer service that closed on the weekend, updated but inadequate business online banking - outages, customer information systems not fully integrated, and simple technical issues were common place as recently as January of this year. Many of these were deal-breakers for prospects considering bringing their full banking relationship over from more capable institutions.