همفکران فناوری شریف
سنجش آمادگی دیجیتالAll articlesBook a demo

Banking as a Service: when non-banks offer financial services

PaymentsBy: Farzad Didehbaz2 min readSource: IBENA
Banking as a Service: when non-banks offer financial services

1Introduction

A licensed bank exposes accounts, payments and compliance via APIs; partners offer them under their own brand.

2Discussion

Banks gain new customers without acquisition costs; partners offer finance without a banking licence.

3Conclusion

The key challenge is allocating responsibility for KYC, AML and complaints clearly in contracts.

Share:TelegramWhatsAppLinkedIn

Sources

  1. IBENA ↗
  2. MBRI ↗
همفکران فناوری شریفThis article summarises the official sources cited, prepared by the Hamfekran Fanavari Sharif team for finance leaders.
Want to see these solutions in your organisation?Book a free demo

Related articles

PaymentsEvent-driven architecture and message queues in payment systemsAt thousands of transactions per second, direct synchronous calls become brittle; event-driven design decouples services.PaymentsPayment orchestration: smart multi-gateway managementOnline businesses use several gateways; orchestration makes this multiplicity smart and unified.PaymentsCross-border payments: challenges and new approachesInternational transfers remain slow and costly; new technology and regional cooperation aim to reduce friction.PaymentsThird-party payment initiation: the next phase of open bankingAdvanced open banking lets licensed third parties initiate payments directly from customer accounts with consent.