[paulodeon]

I think you have to split retail from investment banking.

Retail is ripe for disruption, bad service, poor websites, limited products etc. Creating a Retail Bank 2.0 could really change the sector.

I have difficulties seeing investment banking ever being disrupted. For one you have to be intimately involved to know what sort of products are needed. A 23yo SV hacker simply hasn't a clue what the mutual fund manager or forex dealer needs to make his life easier.

Once you're in the industry it isn't really radical disruption, if it were, the industry would be being disrupted all the time. Banks are massively competitive and any potential advantage inferred by new technologies and approaches would be assimilated into their business model rapidly.