SimpleBank tried to do this in the US, and ended up with a lackluster acquisition by BBVA [1]. Standard Treasury also tried this at the institution level, and also ended up with a poor acqui-hire outcome [2]. Without being able to be a technology company first, and a financial institution second, these efforts are doomed to fail. I hate to say it, but the best companies to attack this are Amazon, Google, and Walmart (companies that are either Agile or ruthlessly efficient).
With that said, I feel your pain. I work in security for a financial utility in the US, and some days, its impossible to get anything done. Use opportunities like this to sharpen your bureaucracy hacking skills (and the money isn't bad either). Failures are only lessons you don't learn from.
[1] https://en.wikipedia.org/wiki/Simple_(bank)
[2] https://www.bizjournals.com/sanjose/blog/techflash/2015/08/s...