[paulsutter]

Your comment on timeframe reminds me of Bill Gates' observation that people overestimate what will change in two years, and underestimate what will change in 10.

So I'm guessing that you and the article are both right. They don't mention a timeframe, and you mention a reasonable timeframe. Essentially, "never mistake a clear view for a short distance".

We think of the internet as a fast moving medium. But It's fascinating how long it has taken for so much old world functionality to migrate to the Internet. It has been 20 years, and we're only now seeing banks and other companies trying to restructure their physical locations around Internet services.