The financial services landscape is undergoing a radical transformation, and Banking-as-a-Service (BaaS) is at the forefront of this evolution. If you're looking to understand how this game-changing technology is reshaping both consumer experiences and banking business models, you've found the right resource. This distinguished favorite of the NYC Big Book Award 2025 - Technology category provides the clarity and insight you need to navigate this complex field.
BaaS isn't just another buzzword in fintech—it's a fundamental shift in how financial products are delivered and consumed. This book cuts through the hype to offer you a measured, comprehensive overview of BaaS, helping you demystify this evolving field and understand its true potential. You'll gain insights into where BaaS came from, how it's changing the economics of banking products and services, and its impact on key stakeholders across the financial ecosystem.
Not all BaaS approaches are created equal. This guide breaks down the different operating and business models including interchange, deposit gathering, loan origination-to-distribute, legacy, API-first, own licence, match-making, and bank service providers. You'll learn to evaluate which models are sustainable in different global territories and understand the regulatory implications that could make or break your BaaS strategy.
Learn from the experiences of organizations already succeeding in the BaaS space, including Blue Ridge Bank, Unit, Synapse, Goldman Sachs, Railsr, Starling, Solaris, Cacao Paycard, QNB, OnePipe, Airwallex, Nium, and Pomelo. This book doesn't just tell you theory—it shows you how BaaS works in practice, with concrete examples and case studies that illustrate the opportunities, challenges, and risks you need to know about.
Whether you're a fintech entrepreneur, banking executive, investor, or policymaker, this book provides the framework you need to make informed decisions about BaaS. You'll understand the key differences between BaaS, embedded finance, and open banking, and learn how to position yourself or your organization to capitalize on this transformational technology. The future of banking is being written today—make sure you have the insights to help shape it.
