I would assume that we'll see much faster change via appearance of new smaller and nimbler competitors, rather than adoption by current companies. I expect a lot of rapid trial and error, similar to what we saw in the 90s with the advent of web startups. And who knows which (if any of them) will become the next Amazon and Google.

As for banks in particular, seeing the success of the likes of Revolut, I think we'll see more disruption in this space too.