Banks aren't being disrupted. On the contrary they have an incentive to join FiSync and work with Dwolla as the current interbank systems are ancient. The cred

Banks aren't being disrupted. On the contrary they have an incentive to join FiSync and work with Dwolla as the current interbank systems are ancient. The credit card companies are certainly being disrupted though. Their model is based on a limited communication capability which evaporated years ago. They will claw and hang on for dear life but it's just a matter of time.