That said, it's probable banking will get disrupted eventually. It's just that a large company like Google, Apple or Microsoft will probably be one of the main causes, since they have enough money to keep battling until they either become too big to stop or the incumbents give up.
It would be interesting for one or more to fund a push into banking maybe leveraging a bank they bought for its expertise and infrastructure. Probably opportunities for analysis and ad targeting on top of it. Wait, "ad-supported payments via displaying them at POS kiosks." Oh, shit, did I just make up an industry on the spot or does this already happen? ;)
As for your other comment, apps and ATMs are already being used as an advertising channel. I wouldn't be surprised if we see (much) more of this.
First concrete thing you've said. Always a way to get into a market crowded with incumbents, esp if account reps have personal touch. Fix anything that annoys people and $$$'s result. Good luck to you on that part as you have a good chance of making it there.
"As for your other comment, apps and ATMs are already being used as an advertising channel. I wouldn't be surprised if we see (much) more of this."
Figures haha.