If you want to understand why NO-one will revolutionize banking overnight in the United States, not even silicon valley with its naiveté and responsive websites.
Then read this:
https://www.federalreserve.gov/…/…/2014/files/2014113pap.pdf
The only thing you can revolutionize is how you acquire customers in USbanking
Read the latest blog post on marketing, the macro, and tech.