I would not exactly say they are the financial model for the future but yea they are going to be a big part of that financial model since at that point the blockchain technology would be integrated into the financial systems to make them faster and more efficient for use. The cryptocurrencies are going to be the currencies of the future though
I don't know the word crypto-banks is appropriate or not! Because cryptos were created to destroy banks so we are having our own financial banks by ourselves if cryptos used by everyone for payment system.