The article discusses the importance of banks and central banks in the financial system. It looks at how commercial banks have evolved over time and whether they are becoming obsolete. The researchers believe that banks will continue to play a crucial role in financing and payments. They also highlight the central bank's role in overseeing payment systems. The study suggests that while the banking sector is changing, the relationship between banks and the central bank remains strong. It concludes that payment systems are best developed by the private sector, with the central bank ensuring safety and efficiency.