I dont see any major changes in banking sector nowadays. From banks, I only get notifications that my account monthly fee will be higher, and changes of plastic card limits. I understand that every bank in every country is different, but except an option to buy car insurance, I cant remember nothing innovative during last 5 years.
No not true that banks could be different from countries because they are set up to make profit therefore they are business oriented. If your bank is charging you on unexplainable bills so likewise other countries. To shock you on this just yesterday I got a debit alert from my bank deducting equivalent of $2 from my account on no good reason. However one of the challenges that bank worker will face in near future is downsizing of staff because the brick walls are no longer patronised as much with digital currency
As to Bitcoin, what new can it innovate? We are only waiting for mass adoption and that is it.
Despite the banning from countries, the importance of bitcoin is not to be overemphasized. Bitcoin and freedom are like joint ventures, no hidden charges or unexplainable charges. Is open source and you see every in blockchain.