Bankers know that their real competition is not banks, but the new economy - online trading. This area is divided into retail, business and investment. The emerging retail sector is online shopping, or as they are called in the US - Amazon retail, which holds a monopoly share in the field. A huge bank, so strategically the "workers" are heading in the direction and embracing those who threaten to be their big competitor as a bank.

The online economy will also offer credit and clearing solutions in the future. This is why Facebook has tried to emerge into its own digital currency field, along with digital giants. The implementation of the move is currently having difficulties, but this is the obvious and obvious direction. Whoever sells in ever-increasing volumes actually becomes a bank. Regulation is not yet aligned and governments are not prepared to deal with the pervasive concept that boundaries, in terms of consumers, are becoming irrelevant.