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.
The two important points I could infer from what you write here are "reliable" and "fast." Are Bitcoin transactions fast? I would say yes, it's fast but not faster, especially when the user knows well about the mempool and uses a higher gas fee for the transactions while sending the BTC to an external wallet. The transaction should be completed in about 10 minutes, so it's still reasonable. While sending within the same wallet could be way faster.
Now, it depends on what you are comparing it with, if it's fiat banking within the same country, then they are faster than Bitcoin, unless for the Swift Wire Transfer. Aside from banks, online payment systems' transfers are done instantly, not in minutes.
Furthermore, the reliability of Bitcoin is being put into doubt these days because hacking is more pronounced, and even wallet companies and exchanges are less trusted these days.