Sir, you are right. Banks won't compete with the crypto world we are. 8o% of people are into digital network to make money and to have access to their wallet. Soon, people won't be saving money in their banks again but in crypto that will be giving them interest. Thank you Sir, for this educative piece.
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A digital wallet allows people to send, store, and receive money.
That is what most use banks for. This is why the process is already in motion.