Banking-as-a-Service: sportesély a fintechek számára (Koen Vanpraet)

Banking-as-a-service (BaaS) has been widely discussed across the fintech world over the past few years. A key component of open banking, it reconfigures the banking value chain by helping remove the intermediaries and enabling tailored banking services and
enhanced experience in real-time. BaaS platforms and technologies are transforming the business models of banking and reshaping fintechs’ relationships with customers and partners. 

A BaaS jelenlegi pozíciója a piacon

A globális BaaS-piac mérete várhatóan növekedni fog, és az előrejelzések szerint eléri
2,299.26 milliárd USD 2028-ig. A BaaS termékek iránti kereslet a bankok és a fogyasztók körében egyaránt növekszik. szerint a

a Deloitte legutóbbi jelentése, az ügyfelek 42%-a használta a Vásárlás most, fizessen később szolgáltatást, valamint a BaaS-ajánlatokra összpontosító bankok dupla ROAA-t. B2B oldalról is növekszik az érdeklődés
A felsővezetők 85%-a megosztják, hogy már bevezetik a BaaS megoldásokat, vagy a következő 12-18 hónapon belül tervezik ezt.

Alongside the increase in demand, client expectations are also rising for industry players, requiring new technology and experiences. However, embedded products continue to dominate in BaaS. Numerous banks and fintechs are now embedding deposits, lending
and payments products directly within their own infrastructure. This illustrates that  BaaS products are evolving to more tailored propositions, where distributors are developing product lines to fulfill the ever-changing needs of money management.

Miért játszik jelentős szerepet a BaaS a Fintechben?

A BaaS magas szintű kompatibilitást biztosít a nyílt banki szolgáltatásokhoz az API megvalósításával

Open banking substantially benefits the fintech industry by helping improve customer experience, generating new revenue streams, and adding a sustainable service model for traditionally underserved markets. It provides the framework that defines how fintech
as a third party can securely access and process consumer financial data. Under that framework, BaaS works as a strategy for all parties to collaborate to provide integrated banking experiences to consumers. 

With BaaS, organizations can embed financial services and tools into their existing digital applications, equipping them more than ever before to provide a complete banking experience to their customers. Today’s cloud and digital technologies support fintechs
to enable BaaS to their offerings. This has paved the way for deploying automation and rapid scaling in the systems. 

APIs are the key to accessing the door to open banking, allowing distributors to natively embed their BaaS proposition into their experiences. Many fintechs focus on APIs development due to its flexibility and agility in implementation for seamless information
exchange between clients and their partners. APIs can leverage data to facilitate innovative products and services to improve customer experience.

A BaaS új lehetőségeket nyit az ügyfélközpontúbb termékek előtt 

Fintech providers are no longer just technology vendors. They are now viable collaborators and partners for their counterparts, financial institutions and businesses in non-financial sectors. In this post-lockdown era, enterprises of all kinds are tapping
into this partnership model to enhance their digital transformation to keep pace with customer requirements and avoid being disrupted by newer, more technology-savvy, entrants.

BaaS allows the fintech industry to put new and exciting propositions forward with relevant embedded services. Fintechs and their partners can collaborate to build a customer-focused financial ecosystem through BaaS. This inclusive and flexible model has
shown promise especially in B2B transactions by allowing businesses to scale their financial service offerings based on their customer needs.

Vegyük például a digitális fizetést. Egy olyan világban, ahol
kétharmadát of adults are globally making or receiving digital payments, customers need more choices on how their transactions are processed and completed in real time. And BaaS platforms can meet this need. Especially with complicated transactions, such
as cross-border payments or foreign exchange, a single BaaS platform can provide transparency in processing and settlement and bring peace of mind to consumers.

A BaaS jobb hozzáférést biztosít az adatokhoz az ügyfelek megtartásának és hűségének növelése érdekében 

A BaaS a hatalmat a végfelhasználók kezébe adja, és fordítva, a beágyazott pénzügyi termékek és szolgáltatások növekedésével. A dinamikus térben működő fintecheknek gyorsan kell újítaniuk, hogy a lehető legjobb élményt nyújtsák az ügyfeleknek. 

A pénzügyi szolgáltatások piaca egy olyan korszakba lép, amikor a fogyasztók megosztott adatokat várnak el. A BaaS példátlan lehetőségeket kínál az ökoszisztémákon keresztüli adatgyűjtésre. Több mint

A fogyasztók 86% -a egy közelmúltbeli felmérés szerint megosztanák adataikat, hogy jobb és személyre szabottabb élményt szerezzenek.

Through BaaS platforms, customers are willing to share their data with fintech providers and distributors for analytics and innovations. BaaS makes it possible for fintechs to create better experiences through data aggregation and without having to navigate
complex legacy core processing systems. BaaS helps fintechs deliver the easy-to-use, multichannel solutions that customers seek.

The BaaS model, to conclude, prioritizes API-led, transparent, and customer-centric alternatives with promising opportunities for new products, models, and technologies. While BaaS has already arrived, it will continue to serve the future of financial services
and the fintech industry.