The recent Bank of England discussion document provides some interesting thoughts on the future of banking services and the role of crypto, including much wider available financial services to the public via digital platforms.
The world of finance will face significant change but with this, brings great opportunity.
New forms of digital money could be preferred by the public to commercial bank deposits, but they will endure only if they can be trusted as a store of value and as an accepted means of payment.
https://www.bankofengland.co.uk/paper/2021/new-forms-of-digital-money