Market research

The Africa Community Bank
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We are a group of 20 people who have teamed together to build and create an internet banking business. For our product to become successful we need professional researchers and answer the following questions. The type of banking we are going to build is one that's going to operate just like a cooperative.
1). Before we can register our cooperative we need to know what type of cooperative is best for this kind of business.
2). how best does this cooperative operate?
3). as an e-baking business what type of people do we need to run and manage our business? Please list down their individual roles and job description.
4). does this cooperative needs to be registered with the company house?
5). what does the government say about this type of cooperative ie government policy, government legislature
6). which reputable law firm would you recommend to write our terms and conditions?
7)..how does our bank make their money
8). how do our customers get their deposits protected?
9). How can we get registered with the Financialservices authority?