It's hard to do in the established West. The mega banks largely grew to scale by swooping up every little bank around and all their assets. You need big time capital to play, and if you have that kind of capital then your dealing with big banks already and they will just squash you with quickness.
The ability with just capital has been squashed but people in masse can push credit unions or in many States, they can charter their own public State Bank. I believe either South or North Daktoa has one chartered actually.
You can start your own bank oversees in some areas though. A developer from my home town whom was originally from the Caribbean went back to a small as fuck country there and opened up a bank with 100-200k. That was all he needed and he found a niche for loans and a little bit of shit on this side. Supposedly he is doing really good and the bank has grown ten times over in its assets and capital it holds.
The ability with just capital has been squashed but people in masse can push credit unions or in many States, they can charter their own public State Bank. I believe either South or North Daktoa has one chartered actually.
You can start your own bank oversees in some areas though. A developer from my home town whom was originally from the Caribbean went back to a small as fuck country there and opened up a bank with 100-200k. That was all he needed and he found a niche for loans and a little bit of shit on this side. Supposedly he is doing really good and the bank has grown ten times over in its assets and capital it holds.