What benefits are you talking about here? I haven't seen a lot of legacy banks implement the things I find interesting in the fintech space.

Legacy banks seem quite reluctant to significantly change the way they view their products, which is what I'm looking for from fintech.

Having personally attended meetings in which banks and the US Federal Reverse were present I can reasonably inform you through direct knowledge of the matter that the US Federal Reserve is telling banks they MUST adopt technology to stay not only relevant but to even exist. Should anyone find it of interest just look at the small town bank buyouts and local branches closing up as this has been happening well before the current global situation and will only accelerate as the Old Boy network continues to resist. Everything changes in time, one just needs to have enough to wait.

Smart money saving pots, Open Banking, calendar view of payments, graphs and calculators for different transaction types, paperless statements, paperless loan applications, rewards with specific merchants. The actual useful stuff and none of the cruft.