Isn't the concept of 'startup bank' kinda the same of 'startup gasoline' or 'startup coal' ? Banking is a 500 years old business. There is no re-inventing the

Isn't the concept of 'startup bank' kinda the same of 'startup gasoline' or 'startup coal' ? Banking is a 500 years old business. There is no re-inventing the wheel at least customer side. Wells Fargo, JPMorganChase, Bank of America, Citi. The regular , known ones. Banking is not the place to look for alpha.