This is something very difficult. In my opinion, as long as bitcoin is still not legalized into digital currency in the world then bitcoin will not be able to replace the bank. Especially now, users still have to use crypto onsite services to be able to use bitcoin so they have to use the bank as a service to withdraw money from the exchange of bitcoin. Instead, I hope both parties can work together to implement this blockchain technology so that bitcoin users will not find it difficult to use bitcoin as a means of transactions.