Sometimes, we may be very optimistic with this, with the power of crypto. But this may be difficult to happen. Moreover in some certain countries. Replacing banks is soemthing that is very difficult, except that the country in on the bankcrupty.

But, as long as the banks are following and developing to provide much advanced technology and services, I am afraod that this will be exactly difficult to replace. Because banks are power, even big companies may not be able to replace banks.
So I don't think it will be soon happening.