Bankera is not a scam. But their team is too weak, have no experience, design + marketing is trash. 
It is of course a difference if they are scammers or not, but in terms of the investors money lost is money lost.
Yes, now it is lost money. But I do not think that BANKERA is a scam. It seems that they are working, but slowly. It seems to me that this is quite promising in the future. Of course, many are disappointed, as they expected faster development and a result. But slow development does not mean that it is a scam.
It can mean that it is a scam. If they develop slowly but take large salaries at the same time, what would you call that? Not a scam?
If used as a fact then, information about that they have a big salaries, and as a fact then that they are just spending investor money on their own benefits, then this can be seen as a scam. But there is no specific information about the target distribution the funds of investors, for certain expenses, in order to present this kind of accusation.
What about the fact alone that there is "no specific information" as you say about any spending and what not?
I agree, it would be more transparent if the team provided us with a report on the work done, and how much money was spent on it. But I think that they will not consider it necessary to provide us with this.
Which is a shame and demonstrates how all these teams work with the money they have raised through their ICO campaigns. They should grant much more transparency and they could if they wanted to, but they just don't want to.