According to a report recently released by Citi (click here), banks tend to disappear in the coming decades. What should happen is just a trend just like Netflix did with television and pay-TV channels and Uber with ordinary taxis.
Africa, India and China are already following this path, in which the increase of e-commerce and large population, added to few bank accounts have become fertile environment for this technology. In Somalia, for example, 40% of adults use mobile money transfers.
Citi's forecast is that by 2025, there will be a 50% drop in physical banks. Which would mean that we would be the last generation to appear at banks, use credit and debit cards. Brazil already has a 100% digital bank, but according to the forecast it should take a little longer to keep up with the other virtual financial markets, although the institutions have invested in "paperless" transactions, with online transactions and applications that allow almost Everything an agency does.