Will Internet finance eventually replace traditional banks?

I personally support internet finance, but I also think that your so-called substitution needs to consider too many realistic conditions. Therefore, there are roughly two possible trends in conditions:

First, finally. Mature conditions are needed: people are used to completing electronic money, important file management is completely safe and paperless, important information is completely safe and networked, and the banking industry forms a complete and sufficient competitive environment.

Second, in the end, no. It mainly depends on how to determine your "final" time scale. If your life is terminated, I think it may not be realized in this fertile soil, hehe.

May your dream come true!