fintec neo lenders vs the big banks

I wanted to start a discussion on the advantages and disadvantages we have aginst the big banks.
it will be intresting to see where fintec shines that banks don’t.

IMO: wisr will eventually grow big enough to give loans for homes and bigger ticket items that banks make a killing on and perhaps even get a banking license and become a full online only bank.
everything is turning digital and physical cash will become something of the past,
physical bank cards etc will be something of the past as the coming age of tap and go etc
ATMs will become something of the past when everything turns digital.

what does everyone else think