Upper management uses the point you're closer to your high salary to remove you as a company layoff. Mainly they aren't wishing to pay you anymore and need a reason to let you go. The reason I state that it a company that's good for a stepping stone. You're never be here long enough to call it a career. Unless you're good with multiple people in upper management.
Company is too dependent on their bank partners and unable to invest in themselves.
Too many hands in the pot causing all kinds of errors and internal problems that effect their customers and internal low level employees.