Other than interest (and that pretty non existent these days) deposit accounts are just containers. And for those of us who never carry a balance, so are credit/charge cards. The value banks add is accebility and utility. So this is an evolution of that and the "disruption" of new technology further extends that. This is a great article. Tokenization is another area that's a part of it all too, I wish my Social Security number and drivers license and passport numbers were tokenized.