Banking-as-a-Service (BaaS) – Rearchitecting Financial Services Landscape

The report explores the key drivers and inhibitors of BaaS growth, from technological advancements and API integration to the evolving regulatory environments across key markets like North America, Europe, APAC, the Middle East and Latin America. 

Here’s a snapshot of what you’ll uncover:

• BaaS Playbook: Incumbent vs. Digital-First Banks: Discover how incumbent banks and digital-first challengers are approaching BaaS differently. While traditional banks leverage in-house initiatives, acquisitions, and partnerships, digital-first banks are focusing on technology monetization and strategic investments. Case studies of leading players like SEB, Starling Bank, and WeBank showcase real-world applications.

• BaaS Business Models: Custom-Fit Solutions for Every Bank: The report dives into the different BaaS business models that banks can adopt, from proprietary in-house solutions to integration with BaaS enablers. It highlights the maturing BaaS tech stack, from API gateways to user onboarding to security and compliance and explores the scale opportunity that BaaS offers to incumbent and digital-first banks.

• BaaS-Powered Products: Meeting Diverse Needs: From real-time payments and lending solutions to embedded finance for gig economy workers and small businesses, BaaS is rapidly expanding its offerings. The report examines how new products like BNPL, high-yield savings accounts, and merchant cash advances are gaining traction, providing tailored financial services across various customer segments.

• Case Studies: Global Examples of BaaS in Action: Gain insights into how major players like J.P. Morgan, Goldman Sachs, Starling Bank, and Cross River are leveraging BaaS to drive innovation and expand their reach. These case studies demonstrate the practical applications of BaaS, from embedded finance to personalized financial products for non-financial platforms.