[TheColorYellow]

> The intersection of organizations who can run a bank but don't already have entrenched software to do so, and want to build all the other software themselves seems vanishingly small.

Most FinTech is like this though. User Facing front end custom services built on top of bank infra. The bank infra is typically a bank partner and rarely is something like Stripe depending on the exact use case. This basically provides an intermediate alternative between Stripe and bespoke banking relationship.