I think this is more likely to happen than not.  With all of their cards on Apple Pay I can see them turning the banking industry on its head, which wouldn&#x27;t be a bad thing.  Have you been to a &quot;real&quot; bank lately?   My local PNC branch generally has 2 tellers and a 3rd &quot;greeter&quot;, even when the line is 10 people deep.<p>Then there are things like charging for deposit slips and other necessary forms, and their online presence is terrible.  I can&#x27;t pay bills between 2AM - 7AM because: the system is down, or my loan balance is $0, or isn&#x27;t in US funds anymore.  WFT?!  And the security is laughable (at least for a bank).  When will they incorporate MFA?  I think this is where Apple could really shake up the world, just like they did with cell phones and GUI computers before then.