Sorry to say, you are in the throw back mentality that's in it's death throws and you might as well start designing your own operating system and phone!
For banking and security, it's now in the clouds with secure java OS on the Linux kernel!
The reason? Simple.... I can design a Java app that'll run on any hardware or operating system or platform. If I'm a developer, don't you think I want to make more money by not being sucked into niche markets like you describe? Open Source is the wave, but it's Java riding it in for the cash on the beach!




