Where will the FinTech finance disruption come from?

Banks are massive institutions. They have a lot of customers and have been on top of this business for years. Nevertheless, FinTech do not need to replace banks to disrupt finance. They can build an interface around them. Let’s take an example: what if a FinTech company would offer you to switch bank in a matter of days? No paperwork, no hassle, everything is taking care of. This hypothetical company would become the interface between you and your bank(s). You need a loan? One can definitely imagine another FinTech being the interface between you and all the mortgage offers on the market. But this already exists! There are multiple websites that offer to compare mortgage offers. True, but FinTech do not necessarily need to invent new services. The key is in the customer experience. Choose one service that the banking industry currently offers, use already existing networks and databases, just focus on the service itself and maximize client satisfaction and user experience. That’s it, you have the business model of the next disruptive fintech.