We are starting a fully electronic, retail and small business bank, initially focused on various communities in India. There is a rich history of various ethnic communities specializing in certain industries in India and members actively help finance each other within a community. Historically this has been done informally and we are now looking to set up a fully secure and regulated entity which will provide a range of loans, savings and investment products in a super efficient, completely online and simple manner tailored to the needs of various business focused communities in India.