Many people are still not into crypto currency because they feel insecure letting their money go into virtual mode. Think about the evolution of Information Technology, we used to hail cabs from the streets but now with the evolution of smart phones and mobile applications, taking a ride is not longer waiting in the rain for that taxi, simply use Uber and your driver will be on the way, you can even track when to get out of your house so that you will not catch the rain.
Change bank is the same idea, banking at your fingertips literally everything is virtual. Minus all that administrative operation costs that you need for a conventional bank. The conventional banks with their front offices, large amount of staff employed to do a lot of paper work and also promotional work, like getting customers to sign up their credit cards.
With Change bank, all this will be automatic and decentralised , the amount of staff required for their operations will be greatly cut down because of their ability to automate their operations and usage of technology to ensure that their activities and operations are seamless. It will only be a matter of time that the world will see more and more virtual services. It is thus inevitable that a decentralised bank will be up in the future.