The tech industry is coming for traditional banking. Digital payment apps are changing how we move money around. A wave of so-called neobanks — all-digital services that let people do everything on a smartphone without any branches — is cropping up in the United States. Molly Wood speaks with Jelena McWilliams, the chairman of the Federal Deposit Insurance Corp., best known for providing federal insurance to licensed banks. The agency also has oversight and consumer protection responsibilities. McWilliams said that there’s a lot going on.