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?
my thought here, yes. in the future, it may be one of the major changes that take place because of the crypto. as you said, no languages barrier and any other inconvinience connected with a bank system