I just found an new article related to this discussion :
88% of global banks sweat over losing revenue to FinTech firmshttps://www.cryptocoinsnews.com/pwc-report-global-banks-fintech-concernAny 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.
You can go more specific like bitcoin is that idea and I believe it is already happening. Just check the above cryptocoinnews link, it is the very good evidence that banks are getting replaced. Banks may be here for years but they are failing to as per modern thinking of common bank. They are favoring people in power all the times but not for the common people. I guess this alone more than enough for banks to lose their control.