Blockchain can not outrightly replace banks in the future. Looking at the characteristics of a bank, the bank can inculcate the use of blockchain in most of its services. People will still need to walk into a physical building to transact some banking business. In areas where the literacy level is low and blockchain adoption is still far-fetched, you think it's possible to introduce someone to blockchain that can't even use an ATM,a smartphone or a bank's mobile application?😁. How about those that will want to get loans?.Banks act as intermediaries. Imagine removing them out of the picture. Do you know how many people will lose their jobs? We will now start another discussion on unemployment.