It isn't necessarily criminal desires... there are a lot of financial things that require a banking license, and they aren't easy to get. This is why most finte

It isn't necessarily criminal desires... there are a lot of financial things that require a banking license, and they aren't easy to get. This is why most fintech companies end up partnering with a bank in order to do things like take deposits and give credit. It might be easier to just buy one if you want to do bank things.