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Starting your own bank sounds like something from a movie, but in reality, everything is much more realistic, especially if you read clear guides like how to start a bank. There it's laid out on the shelves that first you register a legal entity, then prepare a business plan, then submit an application to the FCA and PRA. There is a clear strategy and understanding of why a bank is needed at all and how you can take ready-made fintech solutions without building everything from scratch.