If the banks are going to make it more difficult to start a company, then that kind of makes the whole point of e-residency for business irrelevant. the classic example of the main target group for eresidency is the digital nomad type who lives in Thailand or Malaysia, or some other country and works as a programmer or a web designer and has international clients. but why would this guy have a connection to Estonia? If he has to prove one then he will not be able to get a bank account for eresidency in Estonia! Also, if the banks decide based on a business plan, then…good luck with that. Banks are notorious for refusing every business plan, and no founder of a startups going to spend 6 months working on a business plan…thats not how web startups work.