I agree there are things both could learn from each other. I do think established banks have a lot of baggage and entirely the wrong emphasis for a world which

I agree there are things both could learn from each other. I do think established banks have a lot of baggage and entirely the wrong emphasis for a world which runs on software. Some of their old rules still encode useful information, many don't, and it will be hard to disentangle the essential from the moribund.