Startup idea:
Create the globalized equivalent of Silicon Valley Bank in Estonia — a local bank that serves credible startups around the world, with staff that has the competence to evaluate customers’ tech chops.
No need to imitate anything about the actual SVB, just like "Uber for X" doesn't mean you'd necessarily want to follow Uber's business or engineering practices :)
1. They expensive (like 30euro/months) for what the banks offer for free.
2. No credit cards / Credit lines.
3. No investment accounts (though I'd avoid banks for brokerage).