I agree with the notion that "a disruptive bank does not look like a bank" but I think you oversimplify the purpose of a bank. Today's banks provide a variety

I agree with the notion that "a disruptive bank does not look like a bank" but I think you oversimplify the purpose of a bank. Today's banks provide a variety of services to a variety of different customers with different needs. Lending is just one of them. Providing a variety of services well as an integrated business is very, very difficult for banks today. That has created opportunity for smaller companies and upstarts to succeed by unbundling services that have historically been accessed through traditional banks[1]. For some reason that isn't clear to me, the OP seems to have fallen in love with the idea of the traditional integrated bank even though the market is clearly suggesting that this isn't where the opportunity and action is. [1] http://blog.aweissman.com/2013/01/banking-and-unbundling.html http://blog.aweissman.com/2013/01/banking-and-unbundling.htm...