Where Are Bank-Fintech Relationships Headed?
Fintech cooperation is growing, but look out for 'community fintechs.' And 'embedded fintech' could outshine 'embedded banking.'
Banking as a Service
Articles about Banking-as-a-Service (BaaS), embedded finance, and how non-banks can provide payments and banking services with fintech solutions and platforms.
Where to Look for Value in the Fintech Wreckage
Fintech lenders, payment specialists and neobanks could make attractive acquisitions. But it's bank buyer beware, not an M&A spree.
Embedded Finance Fuels Growth in Choppy Economy — Here’s How to Start
As an 'invisible' partner to nonbanks and fintechs that want to help customers with their financial needs, your bank gains new places to offer its services. A McKinsey expert lays out an action plan.
Community Bank BaaS Provider Creates Private ‘Metaverse’ for Fintechs
Building its own interactive 3D ecosystem gives a tech-savvy community bank potential entrée to over 5 million potential customers.
Digital-Only Grasshopper Bank’s Recession-Beating Strategy
Branchless business bank supplements a fintech lending specialty with an SBA division, both funded by its growing banking as a service unit.
What the Federal Crackdown on Bank+Fintech ‘BaaS’ Partnerships Means
Banks will have to commit to BaaS with enough revenue to pay for adequate staff expertise and prepare for increased regulatory scrutiny.
What the Data-Driven Bank of the Future Looks Like
Banks will make better use of data to enhance decision making, automate processes and personalize CX. Here's how they can get there.
What Are Banks’ Responsibilities When Their Neobank Partners Fail?
More fintechs and neobanks will likely fail due to funding issues. How that impacts banking-as-a-service arrangements is a crucial question.
Why Banking as a Service May Be Best Community Bank Survival Strategy
Betting solely on rising interest rates to improve spreads doesn't give great odds. For many their bank charter may be their ultimate tool.
Cross River Bank’s Strategic Plan: BaaS, Crypto and Fintech Investments
Cross River is a bank and a BaaS provider, coupled with a venture firm to tie it together. Here are the trends its leaders are investing in.
The New Community Bank Model: Digital-First With a National Footprint
A community bank — recapitalized by fintech investors — has developed a playbook other banks can use to embrace digital technology.
Banks Tap Fintech Partners to Address Embedded Banking Threat
Formerly foes, fintechs now can be a lifeline through partnerships that enable banks to deliver banking-as-a-service and embedded finance.
Does Anyone Really Know What ‘BaaS’ or ‘Embedded Banking’ Is?
A group of BaaS providers and other banks have developed a banking-fintech lexicon to help bring uniformity to a rapidly evolving strategy.
Why KeyBank Believes ‘Embedded Banking’ Is the Future
The key to this bank's success is in its fintech and embedded banking investments, which led to explosive growth in payments and lending.
The Future of Banking as a Service and Trends in Embedded Finance
To capitalize on BaaS opportunities, banks must develop new solutions by collaborating with the right partners quickly.
All-Digital Grasshopper Bank Pushes Into BaaS and SBA Lending
Experience, being nimble and competing in business banking, rather than the consumer side, could put young Grasshopper into the black.
When ‘Banking as a Service’ is the Wrong Strategy
Growing numbers of banks are attracted to BaaS, but if they don't really understand the business then this fintech play is not for them.
How One Traditional Bank Became Powerhouse in Banking as a Service
Banks looking to capitalize on the booming banking-as-a-service business can study the strategy of MetaBank, a top fintech partner bank.
The Future of ‘Banking as a Service’
Interest in BaaS is surging, fueled by 'embedded banking' and by tech company enablers. All that is also bringing increased focus on risk.
Increasing Popularity of ‘Early Pay’ Products Raises Thorny Questions
Potentially the answer to the controversy swirling around payday lenders and overdrafts, can this nascent product be regulated appropriately?
How Banking-as-a-Service Transforms the Roles of Banks and Fintechs
'BaaS' is redefining when and where all types of companies provide financial services. There are huge implications for legacy institutions.
More Banks Eye Rent-a-Charter Business Model for Fintechs & Neobanks
Banking as a service is hot and getting hotter. Here’s why you might want to jump on the BaaS train while it’s still in the station.
