Here are a few observations from their first payout figure and information.
https://blog.bankera.com/2017/09/06/the-first-weeks-net-transactional-revenue-share-has-been-paid/.

It looks like Bankera have made some changes to their Secondary ICO by lowering the coin offering from up to 25bil to just 10bil.
This is a good thing as it's clear this is a long term play and this ICO was never going to benefit from the crazy speculating of some other ICO's where punters were looking to flip (Enigma, Monetha etc).  
The early payout (relative to the investment) is only 4.5% annualised however this is based on current traffic.  This is both good and bad as all Spectrocoin throughput would have been artificially inflated by this very ICO however you might expect the long term outlook would include bank loans being issued which would drive this figure up.

So, less coins for the moment and the ICO will not be an overnight success but no surprises there.

My only concern is releasing the next wave of coins at .1EUR into a downward market.   Whether you like it or not, another bubble is here and it will burst just like the 4 other occasions since 2009.

cheers
NFI.