I wasnt suggesting they offer those services for free. If they were to consider this, I imagine buying an existing bank would be the first thing they would look

I wasnt suggesting they offer those services for free. If they were to consider this, I imagine buying an existing bank would be the first thing they would look at. There are a number of banks out there that very few people have heared of. It wouldn't have to be a Barclays or a HSBC, just someone with a banking license or the opportunity to acquire one in the relevant territories. Also, the Financial Conduct Authority here has a strong appetite for being progressive and trying out new ideas. Other countries also take a lead from what the FCA says is OK or not.