Banking as a service : opportunities, challenges, and risks of new banking business models /
Mikula, Jason
Banking as a service : opportunities, challenges, and risks of new banking business models / Jason Mikula - New York : Kogan Page , 2025. - xvi, 244 pages ; 24 cm.
Includes bibliographical references and index.
What is "banking-as-a-service," and where did it come from? -- Why do fintechs need banking-as-a-service? -- The house that Durbin built : US fintechs' love affair with interchange -- What's in it for banks? Primarily, a low-cost source of deposits -- BaaS business models : loan origination-to-distribute -- What are the different BaaS operating models? -- What is the difference between banking-as-a-service and embedded finance? -- Banking-as-a-service challenges pose questions about model's sustainability -- US case studies : Synapse, Blue Ridge Bank, Goldman Sachs -- UK/EU case studies : Railsr, Griffin, Solaris -- Latin America case studies : Dock, Pomelo -- Asia-Pacific case studies : Standard Chartered, Nium, Airwallex -- Africa case studies : Ukheshe, Jumo, OnePipe -- Middle East case studies : United Payment, QNB, NymCard -- Where does banking-as-a-service go from here?
9781398617889 9781398617902
Banks --Technological innovations.--banking
Fintech.
332.17 / MIK
Banking as a service : opportunities, challenges, and risks of new banking business models / Jason Mikula - New York : Kogan Page , 2025. - xvi, 244 pages ; 24 cm.
Includes bibliographical references and index.
What is "banking-as-a-service," and where did it come from? -- Why do fintechs need banking-as-a-service? -- The house that Durbin built : US fintechs' love affair with interchange -- What's in it for banks? Primarily, a low-cost source of deposits -- BaaS business models : loan origination-to-distribute -- What are the different BaaS operating models? -- What is the difference between banking-as-a-service and embedded finance? -- Banking-as-a-service challenges pose questions about model's sustainability -- US case studies : Synapse, Blue Ridge Bank, Goldman Sachs -- UK/EU case studies : Railsr, Griffin, Solaris -- Latin America case studies : Dock, Pomelo -- Asia-Pacific case studies : Standard Chartered, Nium, Airwallex -- Africa case studies : Ukheshe, Jumo, OnePipe -- Middle East case studies : United Payment, QNB, NymCard -- Where does banking-as-a-service go from here?
9781398617889 9781398617902
Banks --Technological innovations.--banking
Fintech.
332.17 / MIK
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