Right or wrong, the general public hates large banks. If you can find a niche where you can compete with them on customer service and margins, while avoiding ma

Right or wrong, the general public hates large banks. If you can find a niche where you can compete with them on customer service and margins, while avoiding major legal barriers, I would say the timing feels right. Also, a lot of the innovation in that field is limited to the US. I don't know of anything comparable to Mint.com in Europe, for example.