While premature, this could still happen:
Monzo is clearly (re-)dangling the carrot in the US at the moment, and rumours around Apple Banking are growing. If you wanted a good foothold into tech-based, neo, no-branch, digital, app banking in the US, it’d be powered by (my opinion) - Monzo, Revolut, Starling - or - a new startup (potentially Apple itself)
And don’t underestimate any of these 3 existing digital banks. They’re already proven to work.