The current trend of blockchain is very high, couple with it's ability to execute millions transactions within seconds, few transactions cost and no third party is require or paper signing. All transactions recorded and kept open, taking alway cross border and languages barrier, excellent in e commences. So many features to change the world. My emphasis is can blockchain has the capacity to replace bank?
I think yes. Currently XRP is doing the job pretty well and it is replacing the bank. In future, when the crypto market grows stronger, surely its influence will be great to the world. Banks will be excluded from this world because now too many banks have defaulted. They can not manage finances. blockchain can do that.