Well, no surprise here or whatsoever. I have already said a lot of times in my posts that there is really a possibility that this can happen since banks are like human beings that must adapt to changes because if they refuse to do so, they will be left out by the rest that decides to do so and die. Although as to whether this happening will either be a bad thing or a good thing is something we cannot say for sure as of now since a lot of pros and cons are there and can pop up for all we know. The only thing we really can do for now is to wait and see.