I think that in the next few years several large payment systems based on cryptocurrency will appear. They will make a worthy competition to the current banking products.
The banking sector also understands this and is trying to resist with all its might. The recent announcement that the largest investment fund J.P.Morgan is going to launch his own cryptocurrency for the calculation between his partners and customers. This suggests that banks and investment funds understand that they are not able to resist cryptocurrency and therefore they create their coins.