{"id":75865,"date":"2025-06-30T16:34:44","date_gmt":"2025-06-30T16:34:44","guid":{"rendered":"https:\/\/smebanking.agency\/club\/?post_type=product&amp;p=53943"},"modified":"2025-06-30T16:34:44","modified_gmt":"2025-06-30T16:34:44","slug":"53943-baas-what-it-is-why-it-matters-and-how-to-engage-with-it-deloitte","status":"publish","type":"product","link":"https:\/\/smebanking.agency\/platform\/report\/53943-baas-what-it-is-why-it-matters-and-how-to-engage-with-it-deloitte\/","title":{"rendered":"BaaS: What It Is, Why It Matters, and How to Engage with It \u2014 Deloitte"},"content":{"rendered":"<p><strong>Banking as a Service (BaaS)<\/strong>\u00a0is the delivery of banking products and services through third-party distributors. By integrating non-bank businesses with regulated financial infrastructure, BaaS offerings enable the creation of new, specialized products and faster time-to-market.<\/p>\n<p>As customer dissatisfaction with existing offerings grows, BaaS solutions are rapidly gaining market share. Here are some key statistics about the state of the market:<\/p>\n<ul>\n<li><strong>30%<\/strong>\u00a0of customers are considering switching banks<\/li>\n<li><strong>42%<\/strong>\u00a0of customers have used a\u00a0<strong>Buy Now, Pay Later (BNPL)<\/strong>\u00a0service<\/li>\n<li><strong>2x ROAA (Return on Average Assets)<\/strong>\u00a0for banks focused on BaaS offerings<\/li>\n<\/ul>\n<h3><strong>New BaaS Configurations<\/strong><\/h3>\n<p>Unlike traditional banks that owned the entire value chain, BaaS players typically focus on just one or two stages of the value chain. Today, successful BaaS players follow one of four configurations:<\/p>\n<ol>\n<li><strong>Providers<\/strong><br \/>\nOffer their banking license along with products, operations, and\/or technology for use by aggregators, other banks, and non-financial companies (NFCs).<\/li>\n<li><strong>Provider-Aggregators<\/strong><br \/>\nAct as providers but also combine their own capabilities with those of other providers to create a complete \u201cready-to-use\u201d solution.<\/li>\n<li><strong>Distributors<\/strong><br \/>\nLeverage their relationships with end customers to offer unique financial service propositions.<\/li>\n<li><strong>Distributor-Aggregators<\/strong><br \/>\nEnhance the offerings they distribute by adding new products or technologies from multiple providers.<\/li>\n<\/ol>\n<p><a href=\"https:\/\/smebanking.agency\/platform\/hub\/wp-content\/uploads\/sites\/21\/2022\/08\/baas-deloitte.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" td-modal-image alignright wp-image-53945 size-full\" src=\"https:\/\/smebanking.agency\/platform\/hub\/wp-content\/uploads\/sites\/21\/2022\/08\/baas-deloitte.jpg\" alt=\"\" width=\"1200\" height=\"740\" srcset=\"https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/08\/baas-deloitte.jpg 1200w, https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/08\/baas-deloitte-768x474.jpg 768w, https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/08\/baas-deloitte-150x93.jpg 150w, https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/08\/baas-deloitte-696x429.jpg 696w, https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/08\/baas-deloitte-1068x659.jpg 1068w, https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/08\/baas-deloitte-500x308.jpg 500w, https:\/\/smebanking.agency\/platform\/wp-content\/uploads\/sites\/7\/2022\/08\/baas-deloitte-650x401.jpg 650w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banking as a Service (BaaS) is reshaping the value chain configuration in the banking sector, paving the way for disintermediation and unlocking new sources of growth. The report\u00a0\u201cBanking as a Service, Explained: What it is, Why it\u2019s Important and How to Play\u201d\u00a0by Deloitte helps to understand what BaaS is, why it matters, and how to engage with this service.<\/p>\n","protected":false},"featured_media":53944,"template":"","meta":{"pmpro_default_level":"","tdm_status":"","tdm_grid_status":""},"product_brand":[],"product_cat":[2355,2347],"product_tag":[2250,2270],"class_list":["post-75865","product","type-product","status-publish","has-post-thumbnail","product_cat-digital-banking-en","product_cat-study-library","product_tag-baas","product_tag-deloitte","pmpro-has-access","first","instock","featured","shipping-taxable","product-type-external"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BaaS: What It Is, Why It Matters, and How to Engage with It \u2014 Deloitte - SME Banking Platform<\/title>\n<meta name=\"description\" content=\"BaaS is reshaping the value chain configuration in the banking sector, paving the way for disintermediation and unlocking new sources of growth.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smebanking.agency\/platform\/report\/53943-baas-what-it-is-why-it-matters-and-how-to-engage-with-it-deloitte\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BaaS: What It Is, Why It Matters, and How to Engage with It \u2014 Deloitte - 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