What does "streamline banks" mean? And what are their parts of speech in this context?

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@massive I think the reason it has "streamline" instead of "streamlines" is a difference with British English. In American English, a collective noun ("a team", "the government") is treated as singular, like one entity. But in British English, those collective nouns can be treated as plural, like including all individual members.

US English: "My favorite team wins!"
UK English: "My favorite team win!"

Also, I don't think "first/third person" is the right grammar concept here. That refers just to the point of view of the writer, while verbs agreeing with their subject is a separate issue.

First Person: "I eat" and "We eat"
Third Person: "He eats" and "They eat"
(and Second Person: "You eat")