Current state of Banking as a Service
summary
Banking as a Service gains real traction in the last 2–3 years and shifts transactions outside bank software: 85–90% of transactions are already initiated outside core bank systems. The landscape breaks into clear models — aggregators monetize via lead or outcome commissions, whole-offer platforms (Amazon, Uber) embed credit and BNPL, neo-banks and single-bank tie-ups (Tide, Open) front the customer, while platform providers like Solaris and Green Dot sell core banking + license access via subscription and per-transaction pricing. Predicts global propositions and faster experiment-driven product fit (example: Google Plex-style “get gas” use cases).
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chapters (10)
- 0:00Today
- 2:49What is Baas?
- 4:32Evolution towards Baas
- 7:23What are the enablers?
- 12:24Breaking up the customer journey
- 14:39Aggregators
- 20:26Whole offer providers
- 25:34Neobank (Multi-bank)
- 30:18Platform providers Empowering you to offer
- 33:59Future of Baas
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