Imagine a scenario in which you want to repay a friend who bought you lunch by sending money online to his or her account. There as are several ways in which could go wrong,
Including
1: The financial institution could have a technical issue, such as it's systems are down or aren't working properly
2: The transfer limits for your or your friends account could have exceeded
  There is a central point of failure: The bank

This is why the future of currency lies with crypto currency. Now imagine a similar transaction between two people using the Bitcoin app. A notification appears asking whether the person is sure he or she is ready to transfer bitcoins. If yes, processing take place and the system authenticate the users indentity and it's done

Crypto currency then removes all the problems of modern banking; there are no limits to the funds you can transfer: your account cannot be hacked and finally there is no central point of failure.