Banking as a Service

Explore banking as a service (BaaS) and explore its applications, opportunities, challenges and risks and the key differences across global markets with this comprehensive guide.

This book provides a comprehensive look at Banking as a Service (Baas), equipping readers with an understanding of the origins, evolution, future and applications of BaaS and the key differences across global markets. BaaS is a game changer in the financial services sector, radically transforming both how consumers experience financial products and organizational business models of delivering them. Banking as a Service cuts through the hype to provide a measured overview of BaaS, helping readers to demystify a complex, evolving field and understand its key opportunities, challenges and risks. It provides a framework for understanding where BaaS came from, how BaaS changes the economics and business models of banking products and services, its impact on key stakeholders and its key regulatory implications. Banking as a Service explains how business and operating models work, exploring different models such as interchange, deposit gathering, loan origination-to-distribute, legacy, API-first, own licence, match-making and bank service providers and offers a framework for thinking about whether or not they're sustainable. It explores how BaaS operating and business models compare in different global territories and is supported by real-world examples and cases profiling organizations such as Blue Ridge Bank and Unit, Goldman Sachs, Railsr, Starling, Solaris, Tweeq, Accendo Bank, Cacao Paycard, Flink, Airwallex, Nium, Anchor and Stitch. It also explains the differences between BaaS, embedded finance and open banking.

Supported by data sets and visualizations that speak to why BaaS is appealing for banks, including cost of funds data and return on equity and asset analysis

Auteur
Jason Mikula is the publisher of Fintech Business Weekly, a newsletter going beyond the headlines to analyze the technology, regulatory, and business model trends driving the rapidly evolving financial services ecosystem at the intersection of traditional banking, payments, fintech, and crypto. He also advises and consults for and invests in early stage startups. Previously, he spent over a decade building and scaling consumer finance businesses, including at Enova, LendUp, and Goldman Sachs. He is based in Amsterdam, the Netherlands.

Texte du rabat

Explore banking-as-a-service (BaaS) and its applications, opportunities, challenges, and risks and the key differences across global markets with this comprehensive guide.

Contenu

• • Chapter - 01: What Is "Banking-as-a-Service," And Where Did It Come From?;
  • Chapter - 02: Why Do Fintechs Need BaaS?;
  • Chapter - 03: BaaS Business Models: Interchange;
  • Chapter - 04: BaaS Business Models: Deposit Gathering;
  • Chapter - 05: BaaS Business Models: Loan Origination-to-Distribute;
  • Chapter - 06: What Are the Different BaaS Operating Models?;
  • Chapter - 07: What Is the Difference Between Banking-as-a-Service & Embedded Finance?;
  • Chapter - 08: What Are The Challenges in BaaS Models?;
  • Chapter - 09: Is BaaS Sustainable?;
  • Chapter - 10: USA
  • Chapter - 11: Latin America;
  • Chapter - 12: UK & Europe;
  • Chapter - 13: MENA
  • Chapter - 14: APAC
  • Chapter - 15: Africa
  • Chapter - 16: Where Does BaaS Go From Here?