The problem with starting a new institution these days is that the regulatory & audit issues mean that you'll be a small bank, with the overhead of a large bank

The problem with starting a new institution these days is that the regulatory & audit issues mean that you'll be a small bank, with the overhead of a large bank. There's also the package integrations to deal with. Banks tend to buy packages for their core functions, and then (try) and integrate them. There's an opportunity here for someone who can offer a "Bank In A Box" -- all the software needed to start a bank/credit union that is well-integrated and complete -- from GL/AP to lending, depositor management, ACH + Fedwire connections, and disaster recovery.