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.
You mean Be your Own Bank? (BYOB), there are still challenges though, first there should be at least an internet and then you need to make sure that the bitcoin address is correct because transactions are irreversible.
Fast as in within minutes? maybe if you are using LN.
But typically it make take a couple of hours if you are doing a normal bitcoin transaction and you also have to look at the network, if it is congested and you are in a hurry you might need to increased your fees.