Any entity without reasons will not survive and I believe this is time for banks to change themselves. By considering bitcoin as game changer, we can expect the total banking concept itself may get fade away. When people are not finding their comfort with banking system, it would be obvious that banks will lose their dominance.
You mean to say banks are not fit for human anymore and they will get replaced by decentralized concept based ideas ? I think you are making sense but banks are with us for centuries and if they are not in comfortable zones of human, I guess they would have found their end some long time back itself.
There are enough discussions about banking system getting replaced by bitcoin and I am not going into that. But bitcoin is getting popular and that may lead to another era in terms of how financial institutes contribute/dominate to human life.