Earlier quoted context omitted.
They don't "happen to use tech", their whole business is based on tech, and not in the way a bank would use tech say, but especially on tech they create (the client, the reservations system, extra services, etc). It's like saying Google is just an ad company that "happens to use tech".
why isn't the tech that a bank would create in house be categorized similarly to the tech uber creates?
Without Uber technology, Uber would not exist - it would just be Uber Taxi Inc., a perfectly ordinary taxi company indistinguishable from all others.