There is a reason requirements to start a bank are so high. Banking is a really hard business and you margins are not that great. There is so much regulation th

There is a reason requirements to start a bank are so high. Banking is a really hard business and you margins are not that great. There is so much regulation that your licensing fee will look like small potatoes. Instead you should ask if there is cheaper way to get to where you want to be. You could start by researching how the PayTM guys did it.