Summary Sponsor banks and fintechs are reshaping embedded finance and Banking-as-a-Service (BaaS). As expectations rise, successful partnerships require more than strong technology. They require trust, discipline and a shared commitment to doing the work well. The strongest sponsor bank-fintech partnerships are built deliberately. These six principles can help banks and fintechs create relationships that grow…
Summary Software companies are embedding financial tools into their platforms to diversify and boost revenue, improve retention and expand market reach. From payments and lending to cash flow management, embedded finance transforms Software as a Service (SaaS) into full-service solutions. Learn why this trend matters and how First Internet Bank can help you innovate. The…
Banking Beyond the Balance Sheet In today’s digital economy, banking is no longer just about deposits and withdrawals. For fintech innovators, the right banking partner can accelerate product launches, ensure compliance and scale with your vision. Choosing the wrong bank? It can slow you down, expose you to risk and limit your growth. At First…
For companies looking to embed deposit accounts, working with a chartered financial institution like First Internet Bank can strengthen compliance and credibility, leading to greater opportunity for long-term success. As the landscape evolves, software companies that fail to offer embedded financial products risk falling behind peers who are already doing so, and unlocking new revenue…
For United States-based fintechs, compliance isn’t just one more box to be checked in the legal process; done correctly, it can be a strategic advantage. From identity verification and fair lending to data privacy and bank partnerships, understanding the regulatory landscape helps fintechs build trust, scale responsibly and innovate with confidence. Identity Verification and AML…
Platform Banking Platform banking refers to banks using fintech services to complement their existing product offerings. In a broad sense, platform banking can be described as the opposite of Banking as a Service (BaaS). In the BaaS model, the primary customer relationship is maintained by the fintech/non-bank, while integrating a variety of products or services…
Open Banking Banking as a Service (BaaS) and open banking are often confused because the latter also involves banks connecting to non-banks via API. However, the two serve entirely different purposes. In BaaS models, non-bank businesses can integrate complete banking services into their own products. This allows them to offer virtually any traditional bank product,…
As the fintech era brings significant change to the financial industry, it seems that even corporate insiders are constantly being exposed to new ideas and terms – and just as often left on their own to make sense of them. For example, many businesses are just now coming to fully understand and utilize “Banking as…
