I decided to create a mobile bank, the concept is there, the team is there, there is only 1 question left, should I negotiate with the bank or create my own office?

Question

Mobile development

(no need to dissuade the type of competition, costs are needed, etc.), by "creating an office" I mean a small company that is engaged in receiving money and then sending it to the bank.

Answer 1

It is not entirely clear what a "mobile bank" is. If it is a bank as a complete analogue of a similar offline one, then it is difficult to open your own office. It is required to obtain a license from the Central Bank of the Russian Federation to carry out financial activities (which, judging by the requirements, is not so easy to obtain) + permissions from various bureaucrats (the number and set depends on what types of services you are going to provide). And it seems that you will need an impressive amount to ensure activities at any given time (that is, at the very beginning, before receiving the first profit, you will need to have N million rubles). Well, the programmer will not be able to manage all this, analysts, financiers, etc. are needed. That is, it is clearly better to act as a "proxy" to the existing bank, adding your margin.

Answer 2

Decided to create a mobile bank

Supply must come from demand...

there was only 1 question left, to negotiate with the bank or create your own office?

he is the first and main ...
good luck ...

Answer 3

Agree. Newans mass