Re: Indian coding and support
"We have exactly the same problem with our London devs. In fact it's worse with our London devs"
Not sure where you get that one from. We offshore a lot of development work to around 3 separate countries with code review and management being handled in London to very strict guidelines with full automated unit, security and BDD testing. Missing a carriage return in PHP can cause a module to be rejected, as an example. To my knowledge every agency I encounter in London now have very similar standards set up in their dev environments.
I do notice that Scotiabank's public-facing website does not exactly conform to any known standards though. Must be a completely new system.