Apparently, the Internet has had no impact on retail banking. Branch banks, with a universal banking model, are still the dominant form, and online interfaces are predominantly used by customer of these banks. Pure online banks are only for a limited number of customers, those with multiple bank accounts, a way to access specialized services and are considered as second banks by them.
With the advent of hyper-connectivity, the difficult relationship that retail banks have with their customers are about to experience a major change. Instead of being an infrequent (and often unpleasant) source of services, banks can become service providers of a constant, and positive interaction, engaging in a totally renewed relationship.