Why do bankers think banking is a sunset industry?

Banks are not a sunset industry, that's for sure. Banks are the core of the financial system, in the existing financial system inside the bank is impossible to become a sunset industry. Become a sunset is the traditional banking business model, that is, simple low interest rates to absorb deposits, high interest lending, this business model. Now many banks are seeking transformation, mixed business, on-balance-sheet to off-balance-sheet, middle-income business innovation and so on. Banks feel downhill, is affected by the impact of other financial institutions. In the past, the bank is the absolute industry leader, monopoly position, now is to join more competition, feel more difficult only, and can not shake the current position of the bank, so the bank is still more and more open.