Banking the unbanked... By partnering with a bank?

So if the goal is to bank the unbanked, wouldn’t it be prudent to partner with a bank? ETN could leverage it’s relationship with Ripple to create a gateway for banks to access the untapped market. I haven’t seen much discussion around this topic and would love to hear everyone’s input. ETN seems to be partnering with mobile based providers and really engaging the mobile sphere but maybe in doubling down the banking route, more doors open more quickly from a regulatory standpoint in the future, affording new and easier routes for partnerships?