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.
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.
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Faced with mounting regulatory scrutiny, many banks are retooling their tech and their fintech relationships. Some are simply getting out.
Product innovation needs the guardrails that compliance expertise provides. Here's how a veteran makes them work together.
Viewpoint: For fintechs and their bank partners, federal consent orders signal a path to regulatory clarity.
Despite faltering hype and regulatory scrutiny, opportunities are still plenty abound in embedded finance.
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?
Headless banking is poised to reshape banking-as-a-service — but technology limitations and regulator scrutiny could limit widespread adoption.
Attention to detail, being selective in new partners, and a shift to business-oriented fintechs are all part of the strategy.
A steady stream of enforcement actions continues to flow through the banking as a service and embedded banking space.
Bankers now say upheaval in the industry has spurred the refinement needed to bring banking-as-a-service to the front of the table.
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.
A twin-track strategy doubled the fintech's user base in a year. Is the stage now set for further explosive growth?
Federal regulators don’t love BaaS. They can't ban it, but their emerging guidance may make it harder to close deals.
This market study unveils comprehensive insights into current financial institution and account holder perceptions, as well as the greatest areas for potential that can be acted upon right now!
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How can corporate banks meet the evolving expectations of their clients and use digital technology to enhance the work of their skilled relationship managers?
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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.
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.
Jason Mikula, a former banker turned innovation consultant, explains the explosive growth, the opportunities and the risks in 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.
11:FS's David M. Brear explores emerging technologies, changing expectations, digital transformation and how leading banks are serving the consumer of tomorrow.
To avoid disintermediation, financial institutions must build embedded finance solutions that will grow deposits and loans.
Scrutiny of how banks & fintechs work together is ratcheting up. Get the key takeaways from the new regulatory guidance on the subject.
Banks that implement a BaaS strategy are drawn to benefits such as access to deposits and loans from outside their own geographic markets.
New York BaaS provider Piermont Bank works with business-focused fintechs and expects its strategy to lend greater resilience even as other players bow out.
Jason Mikula of Fintech Business Weekly discusses how banking-as-a-service (BaaS) can unlock new business opportunities and add value -- and why BaaS has the potential to transform financial services.
To achieve your growth goals in the year ahead, you'll need to find big ideas and unleash new innovations. But you should start building your budget here first.
Read More about One Thing Every Financial Marketer Must Put in Their Budget Right Now
As your financial institution prepares for the impending Great Wealth Transfer, ensuring that your digital strategy appeals to younger generations is essential.
Read More about Key Digital Imperatives for Gen Z and Millennials