Banks will change or go under but they won't go away. They will always find some service to provide that someone else will want to buy.
that right, banks will not easily disappear because banks always find some service to provide that someone else will want to buy.
as long as the banks don't want to open their eyes with new technologies, the banks will be disappear soon because every time new technologies comes out, it will give something new and something good. so banks will not disappear from anything as they want to follow the technology and if its good for them then they can implemented with their system.
Banks are actually adjusting to technology and I believe they are even quite advanced already in so far as online banking is concerned - it is just that banks are not into technology business but they are actually using technology both for the benefit of their clientele and there company.