You're right about the capital intensive nature of this market; and about how competitive it is. But it's also a very broad market and there are many niches tha

You're right about the capital intensive nature of this market; and about how competitive it is. But it's also a very broad market and there are many niches that are not well served. The linked article points out that organizations and people whose liquid assets are in the range of $100,000 to $5,000,000 are particularly vulnerable if they don't keep on top of their network security; but most businesses in that range don't have full-time staff in that specialty and don't know enough to effectively deploy packaged solutions. The larger problem is that innovation in the banking sector is really hampered on multiple levels. It's highly regulated, consumers are relatively conservative; and on some level any offering in that market is asking customers to place their trust in entities they cannot possibly verify to handle their money responsibly. Note: did anybody catch the sidebar that referred to the "secure Ubuntu brower loaded from a USB Stick"?