An example that strikes me as a stepping stone towards this (although, I believe, a little less clear cut) is Up in Australia, a partnership between a software

An example that strikes me as a stepping stone towards this (although, I believe, a little less clear cut) is Up in Australia, a partnership between a software company and Bendigo Bank, e.g. https://up.com.au/blog/up-cycling-core-banking/ https://up.com.au/blog/up-cycling-core-banking/