No real innovation - lets see bank machines, online banking, electronic money transfers, insurance products, debit cards, discount brokerages, expansion of in person or by phone banking services from 10 - 3 to practically a 24-7 operation, access to your accounts from pretty much any city in the world,  ability to manage practically all of your finances including applications from the comfort of your home anytime any day.... 

Yeah I can see what you mean the banking industry has really been sitting on their hands for the past 50 years.