The problem with Bankera is that people in the crypto world are used to quick, sky-high returns.  Unfortunately this 'golden age' of cryptos is now over with the sheer number of projects and dilution of liquidity.  People need to be patient as Bankera was always going to be a long-term investment.  To create an international bank takes an unbelievable amount of work. 

I certainly don't consider it to be a scam as some people are screaming on here.  Even though there's no regulation for ICOs, this wouldn't prevent the directors of Spectrocoin/Bankera being indicted for fraud if this was the case. 

Yes it's disappointing that the price has fallen so far but I didn't invest to double my money in 6 months.  I invested to get potentially 50-100x my money in 5 years.  Out of all the many, many ICOs, I would say Bankera is one of the few that has the potential to do this.