the biggest technical change is since 95 is that every installation can be "managed". when your workplace issues you a new laptop, they can control and customize almost everything. other big change is that everything that is running on the computer is highly isolated from the os and other software running at the same computer. windows was never built with security in mind, requiring the additional protection to be added after the fact. hence a lot of programs are slow as fuck, with almost no performance improvements from 20 years ago. other than that, modern windows retains binary compatibility with windows 95, meaning that you can still run most of the software written for w95 with almost no issues. some of the core code is still almost unchanged from from windows 95. they added .net (a higher level programming layer) in multiple places, but never gone for the full rewrite even in the user ui. so it's a mishmash of the old code, old standards, bad security, half-assed refactoring attempts, corporate suckery and god knows what else. it's so chaotic that any change they are able to implement is extremely superficial and useless. still, market can tolerate that.
Russian Federation