'Mobile Payments Systems: How Close Is the Death of Physical Banking? ' banking financeandbanking
The growing popularity of online banking as well as modern payment systems such as Revolut, N26, and Monzo suggests that traditional banking may be moving towards its demise.
While born-digital mobile systems were originally created in the age of blockchain technologies, full anonymity, and cashless transactions, their traditional counterparts had to teach themselves these skills to survive the competition. In many cases, their old systems fail to learn new tricks and may be seen as clumsy and outdated by younger digital-native audiences.
This is well understood by major brands including Facebook that add the capability to send and receive money directly to their instant messaging chats. When a friend in need is asking you for a $100 pre-salary loan, it is more logical to make this transfer from the same app rather than switch to a third-party interface or make a live visit to your bank.
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