An interesting view Andy. It think a lot has to do with regulation and legislation constraints, thing that many people do not understand. Can Amazon become a new big bang? Yes. Would majority use it if it would provide convenient services. I would say so. Would banks go away? They might get more competition but unless a new, less regulated model is created (crypto?), they are here to stay and they will be challenged more and more to provide not just the money services but customer centric money services.