FinDev Gateway

Banking-as-a-Service (BaaS) is an entirely new business model that enables non-banks to offer banking services under their own brand and seamlessly embedded into their digital offering. By enabling the embedding of financial services into almost any digital context, BaaS may augur a profound evolution of the financial sector of which we are only seeing the early stages. In addition to an analysis of the BaaS model, this reading deck also contains four case studies of BaaS providers: Solarisbank (Europe), Cross River (USA), Accendo Banco (Mexico) and Green Dot (USA). These businesses can offer a compelling indication of how the BaaS model may unfold in emerging markets and developing economies.

Exploring the market-level modularization of financial services through case studies featuring new models that are emerging, how they are coming about, and what they mean for the financial inclusion of low-income people in emerging markets and developing economies.

This slide deck presents the findings of research estimating the size of the medium and small enterprise and low-income credit markets in Kenya and to assess the potential of fintech firms to meet the needs of those markets.