It would be great to create a new bank from scratch solving basic issues current banks have. The difficult part is the regulatory aspect if they want to operate in different states beyound EU.
I don't want something with a high interest rate, or stock picker, just a way of putting a firewall between the cards and my cash.
Living and working in Asia for many years, I always sympathized with the difficulties my American expat friends had in trying to open any sort of local bank account at all, even a current account. Most banks say no the minute they hear you're a US citizen.
Not being able to open a bank account in the country in which you live has serious knock-on effects in terms of getting paid, or renting a home. I am eternally amazed that American citizens, who supposedly value personal freedom, put up with having one of the world's most aggressive tax regimes.