I think it's hard for bitcoin to hit the bank. in fact, later the bank will have a role in bitcoin. we know banks are in government protection, while bitcoin regulation is in the hands of the government. hence the government will make policies, so that the country's economy is not chaotic
In my opinion, Bitcoin cannot possibly beat a bank, because banks have taken root in all aspects of human life, from paying for school, home installments, or traveling to remote places where people use banking services.
However, bitcoin can be an alternative in the financial system that applies in countries that have legalized it as a means of payment, where people do not use banking services but direct transactions are peer to peer.
I think it would be easier if bitcoin banks were introduced to the public. A friendly bank to btc and fiat, accepting both currencies, and maybe some other altcoins too. Bitcoin doesn't need to defeat banks, btc just needs to put some pression on the banks to make them improve their services;
For an example: to decrease the taxes and general costs, to raise the interest paid to customers and decrease the interest charged from them. And of course, governments need to weak the regulations and open the market for more banks.