Well, first of all, Dave's background as a successful businessman in Burnley is a key aspect. He had the financial means and the local knowledge. Then, the idea of creating a bank that was different from the mainstream ones was crucial. His bank's operations, which were centered around the local community, is another aspect. This involved making loans to those in Burnley who had been neglected by big banks. And finally, the long process of getting approval and dealing with regulations while staying true to his vision of a community - friendly bank.
One key aspect is Dave Fishwick's motivation. He was tired of the big banks' lack of support for the local community. Another is the regulatory challenges he faced. Starting a bank is no easy feat due to strict regulations. Also, the focus on local lending is important. His bank provided loans to local people and small businesses that were overlooked by others.