since I've founded banks over here in Europe, I can tell you: NO! Thats nothing that you could do in a garage :) Even a PSP requires some "minium/fixed setup"

since I've founded banks over here in Europe, I can tell you: NO! Thats nothing that you could do in a garage :) Even a PSP requires some "minium/fixed setup" on different layers in the org, so building this with two people over your spring break will not be possible.