For a long time I have thought that lawyers and accountants were going to be disrupted by technology. The value of such a professional service has been reduced in many cases to a license issued by a state government . The recent controversy surrounding Airbnb and the car sharing services is similarly a regulatory issue. Technology is allowing for not only services to be provided in new ways but for trust to be established between user and provider without the need for government licensing.
Banking is a highly regulated industry where I think alternative service providers are emerging. Several examples support this trend.
Stellar makes it possible for anybody to take deposits using their open source code. Such an organization could then lend the money to a hedge fund to lend to small businesses. We just duplicated most of the value of a bank with out any regulation. Imagine if Google or Facebook took the deposits in Gibraltar or Cayman islands and promised significant new jobs there in return for no local regulation. Perhaps we have more confidence in those organizations than in Citibank or Wells Fargo.
A related HBS Working Knowledge story, "Why Small-Business Lending Is Not Recovering".
Thankyou to @john_menezes for the Stellar heads up.