Back to Home
BaaS
(Banking as a Service)
BaaS is a model where licensed banks integrate their digital banking services directly into the products of non-bank businesses through APIs. This allows companies to offer financial services (payments, lending, etc.) without becoming banks themselves.
The BaaS market is projected to grow to $65 billion by 2027, powering everything from neobanks to retailer-branded credit cards. Providers like Solarisbank and Railsbank handle regulatory compliance and core banking functions, while fintech partners focus on user experience. BaaS enables the embedded finance trend where financial services appear seamlessly within non-financial apps, from Uber's instant payouts to Shopify's merchant loans.
The BaaS market is projected to grow to $65 billion by 2027, powering everything from neobanks to retailer-branded credit cards. Providers like Solarisbank and Railsbank handle regulatory compliance and core banking functions, while fintech partners focus on user experience. BaaS enables the embedded finance trend where financial services appear seamlessly within non-financial apps, from Uber's instant payouts to Shopify's merchant loans.