Can you tell me which regulations are stopping them? The UK for example bent over backwards to make acquiring a banking licence part of a clear process. I think

Can you tell me which regulations are stopping them? The UK for example bent over backwards to make acquiring a banking licence part of a clear process. I think this is harder at the EU level but for me laws like GDPR are actually very reasonable (having implemented a system for container shipping crew, including lots of personal information like passport images).