You are partly right and the crypto market is in stagnation and many crypto projects do not find the proper investments, as they all work on the old system, predstagaya the same without functionality and any bank support and such bank projects as Africunia now become very popular and only gaining momentum, large investors will invest in such projects and not in standard ones.
You are correct in some degree that old system to handle all type of project is not working anymore but still suggesting a banking system to follow is something I don't understand.
And you specifically target a banking system particularly. So the mention group is decentralize or centralize ? I mean if you explain it more then we will get the idea how it is different from traditionally old systems.