suggestions for starting an e-bank

Hi! If I were going to start an e-bank, what would you suggest? 1. What type of e-cash system? 2. What services to offer? 3. Where would I get information? 4. Where is there a need in the marketplace? A friend of mine has the means and desire to do this, and he wanted me to ask and then forward the answers to him. Thank you in advance. --Richard