I can boldly say that Bitcoin Banking is more reliable and fast because Bitcoin transactions is been done through wallet, the only problem that may occur is if the wallet is not correct another challenge is if the transaction is been encountered with down network but this is in rare cases.
There are two different conclusions that can be drawn from the term "reliable" that you used to describe bitcoin banking as fast and reliable. It is trustworthy because it is decentralized and does not require third-party approval before sending or receiving funds over the internet. We can say that it is safe to use for everyone.
The nature of the coin's volatility is the second case. If I have a coin and it falls below the amount I left it the day before, I will be disappointed that I have lost some money; can this be called reliable again? So people's perspectives and approaches to it differ; after all, it is an alternative to save money to using the centralized means of saving money in fiat.