Right now, Banking pays out $75/level … which is quite helpful early on in the game, but later in the game (especially in mega-galaxies), it fails to scale as this tech isn’t very useful … and in fact, may not be cost effective to transfer. I.e. if you are spending $300 to send someone B20, that extra $75 they’ll get each cycle is basically like paying $40 for Economy.
A proposed solution to make Banking more “interesting” for longer in the game is to make it payout progressively - each level is $50 plus the $10Xlevel. Here’s a chart (sorry about the formatting) showing the various incremental/total payouts for various banking levels using the current and proposed system.
Level Current Proposed (Incremental-Total)
1 75/75 60/60
2 75/150 70/130
3 75/225 80/210
4 75/300 90/300
… and so on …
20 75/1500 250/3100
The advantage of this approach is the payouts are similar early in the game at lower levels, but because they increase with each level, it makes Banking a more viable tech to keep working on (and transferring) later in the game.
Plus this should be a very simple coding change.