The race for banking licenses is heating up. Retailers, fintech companies, and even automakers are now making serious moves to secure their own banking credentials. It's not just about staying competitive anymore—getting a banking license has become a strategic priority across multiple industries. From payment processing to consumer lending, these companies are reshaping how financial services work. Whether it's to offer better customer experiences or gain direct access to the financial system, the trend tells us something crucial: traditional banking is no longer the gatekeepers' exclusive game.