Fintech affecting traditional banking

How is fintech affecting traditional banking? The following the sample structure, you can change or add more for this. Projected that bank revenue could decrease by between 10-40% because of fintech by 2025 Future partnership between fintech and banks Move toward “optichannel” delivery of solutions that is based on customer needs and preferences Banks will try to replicate characteristics of fintech to differentiate and leverage scale advantage Potential rise of new breed of banks( challenger banks) that do not need to rely on another banking firm for back office support