I really hope banks get disrupted from the bottom (as you're mentioning with N26), and yes, I've worked for a Fortune 500 financial group that was a huge mess (

I really hope banks get disrupted from the bottom (as you're mentioning with N26), and yes, I've worked for a Fortune 500 financial group that was a huge mess (they had entire buildings of software developers, but their software was god awful). But your statement "they're simply not competitive" is extremely misleading. Most of the big banks don't have users as customers, maybe something to be tolerated. They're not competing on user experience. Industry and Corporate is where it's at, and I guarantee they're getting very good support, personalized attention, etc... (even if the financials are cobbled together in Excel for a multimillion dollar loan). You're probably small fish for them.