Consolidation in Banking?

The only time companies typically switch from, like, a c s i to a jack henry or a fi serf, is when they get acquired. Howr would you think about consolidation in banking? I don't think it be sellen industry of selling. There was a lot of people who've never used a bank before and are now using a bank. But the actual turn over in terms of clients of banks, people institutions, a companies is very small.