While I have noted that banking in Ireland has been subject to significant changes in recent years, it is also fair to say that the business of banking has not changed that materially. The domestic banking system is more concentrated both as a whole and with regard to the business models of individual banks.
Digital channels are being better exploited but the industry has not been substantially disrupted by technology to date. Similarly, we have seen change in the business models of international banks (and this may be accelerated as a result of Brexit) but fundamental business models remain largely unchanged. I do not think this will last.