Bitcoin transfers even between countries on average the administrative costs are very cheap. Obviously more profitable than banking transactions, the administrative costs of which are still expensive.
I hope that all banks can see opportunities for Bitcoin to be utilized. Although I acknowledge the central bank's concern if Bitcoin transactions are used for prohibited matters.
One step that can be done by the Bank is to allow Bitcoin transactions on condition that they have to be registered on a special platform. Later the patform must be accompanied by a central bank permit.
This means that all bitcoin transactions must be recorded by regulators, now there are many illegal bitcoin transactions without permission and without supervision from regulators.
There is one country that can use it, for example in Japan that allows transactions with Bitcoin, even for payments in retail stores.
The government in Japan actually allows retail stores to accept payments via bitcoin. There are 4,000 stores that accept bitcoin payments. So far there are no problems. Even the Japanese government is making its own cryptocurrency.
for me personally, I think the bank is more efficient in terms of how to transact and its security in saving money, for the matter of speed and cost in this case I prefer to be the btc who is superior, maybe in the future if the government can begin accepting btc as a legal payment instrument in the digital world , the development of btc in terms of security will be even better, and maybe someday btc or crypto will be much more efficient than conventional banks that we use a lot today