Been pondering on this for a while now.
EOY 2021. / begining of 2022. we have witnessed goverments working on crypto legislation.
EU made beginings of crypto laws, US was doing their homework with Senate hearings.
This year we have Bidens executive order.
EU is hell bend on going full on control with reins on private wallets ( expected if you are EU citizen, we have a history of such regimes ).
10 banks have publicly stated they are experimenting with crypto:
https://www.analyticsinsight.net/10-banks-that-have-invested-in-cryptocurrencies-and-blockchain/
Many people argue that you would need Cobold support, because banks use out-dated software.
That may be true for some of the bank system, however banks IT structure authorisation is very, very complex and cutting edge when it comes to modern standards. Balances and loans maybe on old software system, because it is reliable. Day to day transactions are separate and very modern.
Some argue banks need to follow too many regulations.
True, but also same people that brought those regulations can and will change them.
Banks have been experimenting and thinking of crypto a LOT longer then we may think.
But not as investement oportunity, but as offering of services.
You need a wallet, but are not tech savvy and wallets are scary ?
Bank can offer you wallet services. It is just like your regular / savings account. Easy to acess and use.
Need a loan, but have most of your money in crypto ?
Im sure they will find a way to use it as collatarale.
There can be good money made on POS validating ?
Need 20 mil $ of coins to set up a validation node ? Peanuts.
You want to buy crypto, but all those markets are scary and confusing ?
Bank owned and managed funds are here to ensure maximum profits with minimum risk.
You get the idea.
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