This is because the ultimate plan is to launch the blockchain-powered Central Bank Digital Currencies…
Governor Michelle W. Bowman of Federal Reserve in this speech raises concerns over lack of new banks particularly de novo banks in US:
why have there been so few de novo bank formations over the last decade?
There have been only a handful of new bank charter applications over the past decade. In fact, only 44 de novo banks have been established, which include both state and national charters. A 2014 study by Federal Reserve Board economists noted that from 1990 to 2008, over 2,000 new banks were formed, which on average is more than 100 per year.6 In contrast, the study noted that only seven new banks were formed from 2009 to 2013. The 2014 Board study suggests that “low interest rates and depressed demand for banking services—both of which depress profit for banks, and particularly new banks—may also have discouraged entry.”7
The conclusions from a Federal…
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Calculus of Decay 
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