I see a gradual transition: new generations, accustomed to apps, may be more adept at Fintechs, never wanting to step into a bank branch. There is a whole generation of people still customers of the traditional system. For long-term banks to survive, they need to offer both systems - as many are beginning to do.

Thanks! I do agree. The next question, how does it last and who are those able to afford this situation?

The current banks, which have branches, can hardly get rid of them in less than 10-20 years, depending on their clients accustomed to the agencies and their employees. In addition, they do the backoffice service, such as Treasury. These agencies represent assets to such banks - which are creating FinTechs to deal with startups.