Other way round. UK have regulators have realised there is a lack of competition in banking arena and have made it much easier to start new banks. Several challenger banks have already received their licenses under the new rules

>After 2008, unfortunately, regulations have made it much more difficult to incorporate a bank

The capital requirements to launch a bank have actually been relaxed since the financial crash. The government wants more competition in the industry and the regulator has been working to make that happen.