These ways are just the best way banks can get into crypto without having to feel threatened by the existence of crypto because this way gets to benefit them so they just need to get involved and have another streem of income for the bank rather than trying to fight a decentralised system where almost no one has got a good level of control over. Payments processing is one are of crypto that will also help the banking sector make good money from the crypto market, I see that even exchanges are not offering this kind of services completely so if the banks can stand in, they become an aid that even retailers in the open market will be willing to explore and provide the bank with that high return in the end. The licensing will not.be a challenge for these banks to get because they have what it takes and it's very possible there's a provision for such in most regions.