Ritically evaluate the view that we will always need banking but not banks

This is the coursework for Financial services, as we see that the topic says critically evaluate we need to discuss the topic both the sides…..n pls give the relevant examples related to the topic to prove the points…And i will upload the list of references that has to be used in the course work pls refer to few more better references then these..
And among the list i am giving you i am going to send you 4 journals articals as a softcopy…looking forward to c the work as i hope you will meet up to the expectations…if u do so then we are gonna order more from now on…

Many thanx in advance