Banking and money, business and finance homework help

Read the articles and please use in-text citations when answering the question.  1) Is the bank really a bank?http://online.wsj.com/article/SB10000872396390444433504577649971326432962.html2) Should this bank follow banks’ regulations?http://www.wtae.com/news/local/allegheny/Pittsburgh-ice-cream-bank-owner-says-regulators-are-backing-off/19522712March 29, 20133) Discuss the risks associated with this bank.http://www.wsj.com/articles/as-banking-evolves-fintech-emerges-from-the-branch-1464806411