There's already been some disruptions (Paypal, BTC (Coinbase, USV)), but copying isn't sufficient for disruption. Chase although mostly evil was the biggest to

There's already been some disruptions (Paypal, BTC (Coinbase, USV)), but copying isn't sufficient for disruption. Chase although mostly evil was the biggest to roll out check deposits by mobile camera. Also citi offers a basic card that has an online sorta crappy Flash widget that will generate limited time / amount virtual cards on the fly, good card optimized for travel and online purchases. I would see what is the biggest customer hassle and find the MVP to test offering that. Also, chatting up bank employees can be a way to see what's going on and what's missing in terms of oppy... There's a bank manager in downtown PA that's aching to join a startup, not in the BS small-talk sense, but passionate to escape corporate backwards-processes hell.