This Planet Money episode details the three-year journey of two women in Columbus, Ohio, starting a bank, Fortuna, focused on female entrepreneurs. The podcast follows their process, from initial discussions with regulators and securing $20 million in funding to navigating the challenges of establishing online banking systems and finally holding their grand opening. The episode highlights the surprisingly complex process of starting a bank, the regulatory hurdles involved, and the importance of community banks in supporting small businesses. The significant decrease in new bank formations since the 2008 financial crisis is discussed, along with the rise of fintech companies as a contributing factor. Fortuna's eventual success demonstrates the perseverance and planning required to launch a new bank in a challenging economic climate.