Develop a comprehensive strategy for disrupting the traditional banking industry using decentralized finance (DeFi) technologies. Your strategy should analyze current market structure, identify the most vulnerable segments, and articulate a value proposition that addresses significant pain points. Include specific recommendations for product positioning, customer acquisition strategy, regulatory navigation approach, technology development roadmap, and partnership ecosystem. Address the competitive response from incumbent institutions and how your strategy anticipates and counters these moves. Provide financial projections for the first five years and key milestones to track.