I spent over 10 years working for a bank and I loved it. I think their days are numbered though, probably; mainly as I believe the services and products they provide will be gradually replaced by large tech companies who have better relationships with consumers.

It’s a much-written-about fact that companies don’t want to become the next Blockbuster or HMV — video and music stores replaced or heavily impacted by digital competitors like Netflix (NFLX), iTunes (AAPL) and internet file-sharing. Most banks are embracing “digital” — with cutting-edge apps, new payments methods, trying new technologies like blockchain or wearables and getting funky with cool new social media campaigns — all in an effort to stay current; but I still think they will be replaced.

Why? Because they are mainly just banks — they provide credit or debit and digital services to access that money and not much else.

Tech companies like Amazon (AMZN) and Google (GOOGL) offer a whole range of products and services, building deep positive relationships with consumers that allow the introduction of further products and services. Gmail? Yes, please. Google Maps — love it. A new Google service that I can use to pay for all my subscriptions from one place — sign me up!

That may sound glib — but consider:

Amazon Cash

This is a relatively new service from Amazon where consumers can load cash into their Amazon account via physical retailers, via a barcode. It’s aimed at consumers that don’t have bank cards — but it raises some interesting possibilities, such as: If I was Amazon, what would I do next?

Right now, it works like this:

But what if Amazon (or some other tech company) also: