A fully consequent version of COMMUNITY BANKING demands further steps: Users must have the choice to cover their financial needs with other community members. And, it must be possible to users, to create their own prices. If there is nobody in the community, willing to cooperate or transact with a user, we still have the bank to cover the financial need of that user. Means: Users can decide, whether they want to act “peer-to-peer” or with the bank. My guess is, that this will strongly depend on the size of transaction.