As more blockchain-based payment networks and fiat-backed digital currencies & including one from the largest U.S.

bank & emerge, experts and analysts are predicting a sea change for the financial services industry."I think you're starting to see a growing consensus," said Matt Savare, a partner who works in the technology group of New Jersey-based law firm of Lowenstein Sandler LLP.

"I do quite a bit of FinTech and I can tell you my clients the banks, are inherently conservative & at least the large ones.

But once they see other banks adopt new technologies, you see it snowball.

Other banks will often join on in pretty quick fashion."