This is an interesting article that EVERY bank and finance service should read. By Bain & Company
Summary:
Digital crypto currencies (of which Steem is only 1) are going to replace digital fiat currencies and banks are going to be the losers. If you're a banker and your sitting back to 'wait and see' you'll go the way of the candle stick makers when in 1835 James Bowman Lindsay demonstrated a light bulb based electric lighting system to the citizens of Dundee.
In the same way Dan Larimer, Ned Scott have demonstrated to the citizens of the internet a new payment system called steemit which pays its contributors in the new currency of steem without a banker in sight.
Full article here