The best part of these Virtual banks is the ability to get refunds if you mistakenly recharged more than you wanted.

Traditional Banks in their bottleneck system do not have all these flexibility. The only thing that's making traditional system thrive is because of the trust they've been able to garner for a while and the experience they have. If not, their system is totally terrible. Virtual banks will eventually take over. The Gamification experience is overwhelming and one thing is that the prospective competition that will ensue amongst them is the reason why they'll get better.