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.
The Strategic Power of Embedded Finance
Christoffer Malmer of SEB Embedded and Pal Krogdahl of IBM Core Banking and Payments discuss how Swedish banking giant SEB reorganized its tech and innovation operations to become a leader in the embedded finance space.
The Final Mile of Data: From Insights to Engagement
Ed Maslaveckas of Bud Financial explains how financial institutions of all sizes can leverage data insights, personalization, open banking and BaaS as strategic differentiators.
Webinar: Value of Embedded Finance
Embedded finance is critical for financial institutions wanting to attract and retain business customers. Here's how.
Where Are Bank-Fintech Relationships Headed?
Fintech cooperation is growing, but look out for 'community fintechs.' And 'embedded fintech' could outshine 'embedded banking.'
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.
The Future of Open and Embedded Banking at Truist
Businesses need access to embedded banking products that can integrate with open banking and banking-as-a-service providers. Truist Bank is providing just that, says SVP of open and embedded banking Anthony Burton.
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.
Embedded Finance and BaaS: The Future of Banking
Embedded finance can be the seamless bridge between a bank brand, the consumer and ultimately the banking provider, says FIS Global's Mike Kresse and Taira Hall.
Modernizing Payments for an Embedded Banking Future
Embedded payments, like embedded finance, is inevitable in the modern banking industry. However, three-fourths of banks and credit union globally still aren't prepared for the trends, says Zeta's Bhavin Turakhia.
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.
How Banking-as-a-Service has Made Webster Bank Future-Ready
Why did Webster Bank pursue banking-as-a-service? It's working as a way to generate new revenue for the bank, says its head of digital banking and banking-as-a-service Matthew Smith.
How Sofi Intends to Become the Center of the Financial Universe
Sofi has become the ultimate competitor for legacy financial institutions. It's on a mission to become more than just a direct-to-consumer fintech, says Galileo Financial Technologies' CEO Derek White.
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.
