I can understand where you are coming from here. I agree with the how the banks would react, having worked in the industry in the past and now dealing with them

I can understand where you are coming from here. I agree with the how the banks would react, having worked in the industry in the past and now dealing with them from an outsider's view. However, it is not right to just keep accepting that the banks will always have their way, so we just throw our hands in the air and give up. It is time this old school industry was disrupted and I can see this beginning to happen with start-ups that challenge traditional banking. (such as TransferWize and Pygg) If the banks refuse these new types of products that have been suggested in this post, then other disruptive partners could join together to tackle the industry. In saying this, there are some banks willing to challenge traditional methods, such as HSBC, who outsource most of their IT development to create the best products for their clients. In this regard, in Australia at least, they are considered a threat by the local big four banks. All in all it won't be easy as Jon pointed out, but nothing worth doing ever is. I am not passionate about finance so this project is not for me, but I wish you all the best Brent and hope to see changes in the industry in the future from potential disruptor's like yourself.