Digital wallets replace 90% of what most people use banks for. They can send, receive, and store money, that is what most use a bank for.

Decentralized Finance* (DeFi) is starting to build a foundation whereby it can pick up a lot more of the other services.

Things are changing on the financial end of things. We are seeing a shift. Of course, until there are billion involved, we won't even be close to parity.