The future of banking? Impossible to predict, but a highly interesting topic.

Let's just be clear, the future of banking will, without doubt, be based around a programmable currency. One which can self-execute, can be tracked efficiently (but anonymously) and can ultimately help close the wealth gap that has opened up so enormously over the past couple of decades. The future of banking, most importantly, is in the hands of "the people" and not the banks as we know them.

Good luck with your hackathon! Personally I would look at gamification, and how the use of Bitcoin could be incentivised through a rewards system. We have an adoption problem right now, and once that is addressed we can then look at addressing the more profound questions.