Banks are broken today. They're more focused on reordering transactions to maximize fees than they are at "connecting customers that have capital deficits to customers with capital surpluses" (thanks wikipedia).

There are dozens of opportunities replacing the way that banking, credit cards, and insurance operate. Jeremy Liew's piece in Pando Daily is a good place to start:

http://pandodaily.com/2012/02/27/big-data-machine-learning-s...