Advisory

Embedded Banking

We help banks build, launch, maintain, and scale embedded banking and banking-as-a-service platforms by combining deep expertise in technology, compliance, and risk management. Our team provides structured options with associated costs, benefits, and risk factors to guide fintech partner strategies, and we advise on go-to-market plans, sales cycle development, competitive pricing, and platform branding to ensure banks can launch and grow their platforms prudently and effectively.

We perform a diagnostic to evaluate fintech partnership options, assist in the design and development of the bank’s platform offerings, and enhance digital banking third-party risk management and compliance programs.

Strategic objectives and differentiators
Balance sheet composition
Regulatory and supervisory relationships
Compliance and risk management
Customer base challenges
Core banking system and IT
Staffing assessment
Operational and technical capabilities to engage with potential BaaS fintech partners
Upgrades to core banking technology, APIs, relationship and third-party oversight, and the compliance program
Roles and responsibilities definition between the bank, fintech program, and other ecosystem providers
Onboarding due diligence: definition and evaluation of partner risk and compliance
Partner risk assessment: alignment with strategic objectives and commercial fit
Ongoing monitoring: close evaluation and relationship management
Board and executive oversight: management reporting and sponsorship