Includes e-id service (confirming identity is an ancient bank service..), e-signing (for loans, other bank contracts, 3rd party contracts), e-invoicing (sending and receiving - private and corporate), e-receipts, e-salary and many more.
Stopping at an imagined border for what is banking service does not provide the value and overall cost efficiency customers expect today. And of course there is a business case - based on economy scale, scope, reuse, repetition and above all trust.
Building the base for the Real Time Economy and huge progress in automated accounting and on this basis automated and improved credit processes and risk mitigation.
And of course consumers love it...