Banks know what's up.

Silicon Valley, who? Behind the scenes, the financial services sector has been hard at work on fintech. Banks and credit card companies are been awarded two or three times the financial technology patents per year as traditional Silicon Valley stalwarts like Microsoft, Google, Apple, IBM, and Facebook.

http://patentvue.com/2016/02/16/banks-outpace-technology-companies-with-fintech-patents/