I would disagree. There are going to be aspects of the traditional system that are involved in what is being constructed now. Just like the Internet did not eliminate all of newspaper.

The banking system is in trouble but there will be ones that do adapt. We have a lot of people who will simply go through than as opposed to dealing with the newer applications. This is likely going to be a demographic situation. The MIllennials will be the ones leading the charge into the later.

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