Hi,
Change Bank is among the top 5-10 Banking and payment related solution ICOs which are in the market. And as we know the space for financial services is huge and today there are over 100,000 Banks world wide and atleast 1000+ banks of huge size.
Going by that, the first 10-20 Crypto based banking services providers do have some advantage.
Yes the operations do take a lot of capital and its going to be a long roadway ahead for these banks. I would say, investing 5-10 ETH would not be too risky and worth the risk. Given Ether is currently down, its a good opportunity to enter into it before the end of the Pre-ICO.
For Pre-ICO visit -
http://bepartof.change-bank.comDisclaimer: I am not involved or part of Change-Bank nor been paid or part of their Bounty program.