But that is kind of the point. These startups scale from the get-go. They will want to reach outside of their initial markets soon. It is not just feature set, but forward scaling vision with that feature set.

Most multi-national banks have a hard time with 'world-wide' scale and prefer to cordon off geo-markets behind local corps, going so far as to have separate C-level management. Imagine how hard it is to get financial level integration?

In this day and age those layers, that lack of true inner-corp transparency, and integration is what will kill these 'traditional' enterprises.