Is that really true? There are also new banks popping up here and there that grow very rapidly due to a more software/tech focus. And there are smaller more s

Is that really true? There are also new banks popping up here and there that grow very rapidly due to a more software/tech focus. And there are smaller more specialized banks that have been doing well (in Switzerland). There is at least one very recognizable co-op bank here and another one with a focus on sustainability.