I'm thinking about vintage banking today and wondering how it is even possible for it to continue to exist in today's world. It's one of those business models that is already dead. If someone today attempted to build the vintage banking it would not get off the ground. Imagine people being ok with a model that is tedious to sign up for, that takes up to a week for a simple transfer, that it almost impossible to transfer outside your graphical region, that locks accounts without warning.