Both "disruption" and "banks" are very broad terms. The three common subtypes of banks (retail, commercial, investment) live in different planets as far as infr

Both "disruption" and "banks" are very broad terms. The three common subtypes of banks (retail, commercial, investment) live in different planets as far as infrastructure, products, business models etc. So called "fintech disruption" typically concerns just retail banking and is basically just: use an "app" instead of physical branches to cater to the mobile-native generations. Nothing that any old bank cannot also implement as an alternative channel. Real disruptions do happen every once in a while and involve new financial products and business models (securitisation, derivatives etc.). But these are typically driven by legal rather than digital innovations.