These sound like crazy questions, right? Banks have been banking for over 100 years, why would that change?
Let me draw a parallel with the telecoms industry. Initially, we sent smoke signals or used drums to communicate with other humans from a distance. Then came hydraulic and optical semaphores typically used to communicate between humans on land and those on vessels at sea. The first electric telegraph was created in 1809 and by the mid-18th century, the USA had almost 2,000 telegraph lines transmitting morse code across 20,000 miles.