Capital One did a great job shaking up consumer credit in the late 90s, and then branch banking in the mid 2000s with their weird combination cafe+branches. They're eighth in the US by domestic deposits today. Does the firm need to be headquartered in Silicon Valley for disruption to have occurred?
It was ING Direct who built the unusual US cafe/bank operation and eventually sold it all to Capital One as part of the great financial crisis restructuring in 2011.
