Who are the big winners coming out of this financial crisis? And how will they threaten to destroy banks?

The Economist identifies four big winners that will decimate the banking sector. These include the advisory boutiques which are cashing in on the banks destroying their reputations and damaging relationships.

Another big winner comes in the form of peer to peer lending platforms where savers pool money and lend to borrowers. Some good examples are Prosper which calls itself "America's largest people-to-people lending marketplace" and which has garnered more than 790,000 members and some $169 million in loans since its debut in 2006, LendingClub and Zopa . As The Economist points out, people are now turning to these outlets because they feel banks don't have their best interests at heart.

The other big winners, according to The Economist, are Islamic finance which stresses the ethical side of sharia-compliant finance and supermarkets which are pushing into banking.

London based financial services information provider Defaqto has just put out a report Retail Banking: Challenging Times which warns that supermarkets are moving in. And they are in a very strong position because unlike the banks, they understand customer service.

The report says: "The major supermarket chains are potentially in an incredibly strong position should they choose to expand their personal finance offerings to cater for the full needs of individual customers. Suprmarket giant Tesco has already moved into this space with six million customer accounts.

"Supermarkets generally enjoy impressive customer image, brand recognition and the trust of their customers. This, coupled with the fact that a member, or a representative. of every household has to physically visit a grocery store, or its internet site, at least once a week cements the potential attraction."

What's to stop the supermarkets cross-subsidizing their operations by offering customers free full service accounts in exchange for their continued patronage?