Articles about Banking-as-a-Service (BaaS), embedded finance, and how non-banks can provide payments and banking services with fintech solutions and platforms.
Banking as a service is the hottest strategy going, as it can help pull in the deposits everyone craves. But it is neither a short-term solution, nor an easy one.
Banking 2025: Industry Experts Map the Path Forward
Industry experts Brett King and Ron Shevlin discuss how tech advancements, changing consumer behavior and market forces are reshaping banking.
The Mushrooming Regulatory Challenges to Banking-as-a-Service: A Field Guide
In an exclusive excerpt from his upcoming book, Banking as a Service, Jason Mikula catalogs the various — and vexing — regulatory questions that are dogging the BaaS business.
Embedded Finance Under Pressure: Compliance Issues Are Driving Sponsor Banks to Reset, Even Exit
Faced with mounting regulatory scrutiny, many banks are retooling their tech and their fintech relationships. Some are simply getting out.
What Does the BaaS Crackdown Mean for the Tradeoff Between Innovation and Compliance?
Product innovation needs the guardrails that compliance expertise provides. Here's how a veteran makes them work together.
Banking as a Service Isn’t Over. It’s the End of the Beginning.
Viewpoint: For fintechs and their bank partners, federal consent orders signal a path to regulatory clarity.
What’s Next for Embedded Finance? A New Realism
Despite faltering hype and regulatory scrutiny, opportunities are still plenty abound in embedded finance.
Hoodies and Suits: Can Banks and Fintechs Learn to Speak the Same Language?
A good book title would be 'Fintechs are from Silicon Valley, Banks are from South Dakota.' But how can both sides write a happier next chapter?
Is ‘Headless Banking’ the Next Evolution of BaaS?
Headless banking is poised to reshape banking-as-a-service — but technology limitations and regulator scrutiny could limit widespread adoption.
How FinWise Bank Plans to Survive the Storm in Banking as a Service
Attention to detail, being selective in new partners, and a shift to business-oriented fintechs are all part of the strategy.
Before You Boldly Go into Partner Banking, Focus on Data and Compliance
A steady stream of enforcement actions continues to flow through the banking as a service and embedded banking space.
Bankers Say BaaS Turmoil Primes Future Growth
Bankers now say upheaval in the industry has spurred the refinement needed to bring banking-as-a-service to the front of the table.
8 Themes That Will Power a Fintech Comeback in 2024
Fintech suffered a near-death experience in the last two years. But the forces that drove its creation remain, and the survivors are stronger than ever.
How MoneyLion Paired Consumer Banking and Embedded Finance to Power Its Hypergrowth
A twin-track strategy doubled the fintech's user base in a year. Is the stage now set for further explosive growth?
Will Federal Guidance Have ‘Chilling Effect’ on Banking-as-a-Service?
Federal regulators don’t love BaaS. They can't ban it, but their emerging guidance may make it harder to close deals.
Maybe BaaS Is Absolutely the Last Strategy Your Bank Should Be Looking At
Banking as a service is the hottest strategy going, as it can help pull in the deposits everyone craves. But it is neither a short-term solution, nor an easy one.
The Future of Banking in a World of Digital Ecosystems
A reset of existing business models in banking is underway, thanks to technology like artificial intelligence, hybrid cloud, embedded finance and banking as a service.
What Banks Can’t Afford to Miss in the Next Phase of the BaaS Revolution
Jason Mikula, a former banker turned innovation consultant, explains the explosive growth, the opportunities and the risks in embedded finance.
Making Banking Frictionless: The Rise of Embedded Finance
What does it take to be successful with an embedded finance strategy? And what do nonbank platform partners value most? IBM research offers some insight.
Retail Banking Mid-Year Assessment: Jobs to be Done
11:FS's David M. Brear explores emerging technologies, changing expectations, digital transformation and how leading banks are serving the consumer of tomorrow.
Embedded Finance Is the Biggest Growth Opportunity Banks Have
To avoid disintermediation, financial institutions must build embedded finance solutions that will grow deposits and loans.
What Banks & Fintechs Must Know About Washington’s New Guidance on Partnerships
Scrutiny of how banks & fintechs work together is ratcheting up. Get the key takeaways from the new regulatory guidance on the subject.
How to Build a BaaS Program: A Checklist for Getting Started
Banks that implement a BaaS strategy are drawn to benefits such as access to deposits and loans from outside their own geographic markets.
