the startups and millenials have financiation thought crowdfunding, better that the banks. the crowdfunding have the web with proyect with inverstment. the millenials have the "frying pan with the handle" because they are expert with the smartphone and decide financial culture. they hae apps who investment, save money, and have operations with the smartphone. 

the bank have transform and search the interaction with the capitalist with social networks. the banks they need to implant and atractive in your interest because the crowdfunding its monopolized the market. 

the 77% doesnt find of traditional bank to open doors to the crowdfunding. the worried of crowdfunding is the vulnerability of money laudering, fraud, or rape. it doesnt know whos behind. 

if change of look of the future perfection of the present. change of mind in 20 - 30 years disapear the paper and coins credit and debit cards.