Sorry to quibble, but I don't think that's what "disintermediation" means.
Disintermediation typically refers to "cutting out the middleman", not introducing additional middlemen.
Disintermediation typically refers to "cutting out the middleman", not introducing additional middlemen.
Banks, along with selling their own products, act as middlemen to sell other types of product (e.g. insurance). The only disintermediation I can think of in relation to retail banks, is the move for people to buy things like insurance from (i) web sites, who may kick back some of the commission that would otherwise go to the bank, or (ii) insurers who sell direct through their own channels.
What you describe is intermediation or reintermediation: http://www.investopedia.com/terms/r/reintermediation.asp