The easing of the monetary economic policy imposed by the European central bank was a response to the sluggish German manufacturing export market. Banking in Europe has been sluggish for years due to the environment of low-interest rates. Interest in the euro area user countries has touched 0% since 2012 and was at a negative level in 2014. Conditions that lasted for years have attacked banking profits and cast doubt on banking profitability, especially in Germany.

It is proven that some banks have to reduce their employees due to the implementation of negative interest rates. To anticipate this problem in particular so as not to fail, the Bank must consolidate and they must change the business model radically. The banking service program diversification that penetrated the cryptocurrency certainly made a fresh breeze for the banking industry. The Bank combines the guarantee of the safety of customer funds and the progress of blockchain technology is a marketing concept that will attract many benefits for banks.

Banks can collapse if we stop saving money in banks and stop using banking services. Or at least don't make a bank loan to support our lifestyle, a lifestyle that must adjust our abilities. By minimizing the function of banks in our lives the longer the bank will increasingly lose the market.