{"id":2189,"date":"2022-10-29T10:55:01","date_gmt":"2022-10-29T07:55:01","guid":{"rendered":"https:\/\/solanteq.web-design.ee\/?p=2189"},"modified":"2025-10-15T14:57:18","modified_gmt":"2025-10-15T11:57:18","slug":"bank-as-a-service","status":"publish","type":"post","link":"https:\/\/solanteq.com\/fr\/bank-as-a-service\/","title":{"rendered":"Bank-as-a-Service"},"content":{"rendered":"

[vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1750076136849{background-image: url(https:\/\/solanteq.com\/wp-content\/uploads\/2025\/06\/baas1.jpg?id=2334) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb][vc_column el_class=\u00a0\u00bbser-darken\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb80px\u00a0\u00bb][vc_custom_heading text=\u00a0\u00bbBank-as-a-Service\u00a0\u00bb font_container=\u00a0\u00bbtag:h1|font_size:64px|text_align:left|color:%23FFFFFF|line_height:84px\u00a0\u00bb use_theme_fonts=\u00a0\u00bbyes\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1750071222996{margin-bottom: 0px !important;margin-left: -5px !important;}\u00a0\u00bb el_class=\u00a0\u00bbheading-big\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb80px\u00a0\u00bb][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1749741235049{background-color: #434D59 !important;}\u00a0\u00bb el_class=\u00a0\u00bbpost-row-single\u00a0\u00bb][vc_column][vc_empty_space height=\u00a0\u00bb40px\u00a0\u00bb][vc_column_text css=\u00a0\u00bb\u00a0\u00bb]The bank of the future: what does it look like? What trends are shaping the advancement of the banking sector?<\/p>\n

SMART BANKING<\/h2>\n

Digitalization is the most important trend in almost any industry today. Consumers are accustomed to a high level of comfort: online shopping, next-day delivery, smart household devices, finding traffic-less routes on online maps, paying bills in just one click.<\/p>\n

To create flagship products, financial institutions need to understand market tendencies and correctly determine their transformation strategies. As such, the number of neo-banks, or banks that have transferred all their services to the digital environment, has increased in recent years. The neo-bank model is highly efficient and receives positive response from customers who prefer to deal with financial issues remotely. Neo-banks\u2019 success creates a challenge for other market players in terms of convenience for users, since interaction with more conservative banks involves the personal presence of the client at the branch when making a request for a loan, mortgage, account opening and other services.<\/p>\n

For a global transition to digital services, banks need to deploy appropriate technological IT systems that have the ability to quickly process a large volume of requests from user devices as well as Internet and mobile applications, allowing them to identify their customers remotely using biometrics.<\/p>\n

It is also beneficial for banks to build internal processes that reach customers through digital channels together with financial services\u2019 related partner products \u2014 newsfeeds, theater ticket purchases, medical insurance orders, hotel reservations, et cetera. The integration of such additional services expands the bank applications\u2019 functionalities and increases user loyalty, but at the same time requires banks to allocate additional infrastructure capacity to ensure correct performance.<\/p>\n

SOLANTEQ QUICKLY RESPONDS TO MARKET CHALLENGES BY ADAPTING ARCHITECTURE TO EMERGING DIGITAL BANKING NEEDS, OFFERING CONVENIENT BUSINESS LOGIC, CLIENT PATHS AND USER-FRIENDLY INTERFACES<\/b><\/span><\/p>\n

BAAS MODEL<\/h2>\n

The BaaS (Bank as a Service) model is rapidly gaining popularity. Within a BaaS model, a business becomes not only a client, but also a partner, of a bank by renting a banking infrastructure for specific financial tasks. Non-bank FinTech and other third-party providers (TPPs) embed financial services in their business model offerings.<\/p>\n

Thus, banks can integrate partner services into their products, and vice versa \u2014 provide their financial services through partner applications. On the other hand, non-financial organizations move into the financial sector by receiving information through banks\u2019 open API, and offer their customers additional payments and lending services. Through BaaS, banks receive more customers for their financial products, and businesses integrate necessary tools into their information systems, completely customizing them for themselves.<\/p>\n

The BaaS model assumes standalone solutions that can be activated and deactivated as needed. Online stores can connect only payment processing, Internet acquiring or customer virtual payment accounts maintenance, while car dealers may choose to only activate installments and credit products. Having a modular structure, the BaaS model meets the specific requirements of entrepreneurs: any process can be arranged as a separate business application. The implementation of the model almost implies the creation of an individual bank, for a specific purpose.<\/p>\n

THE SOLAR SOLUTIONS ALLOWS MULTIPLE FINANCIAL INSTITUTIONS AND DEPARTMENTS TO WORK SIMULTANEOUSLY AND INDEPENDENTLY ON ONE COMMON PLATFORM HOSTED IN A PHYSICAL OR CLOUD DATA CENTER. EASY HORIZONTAL SCALABILITY OF SOLAR COMPONENTS PROVIDES THE PERFORMANCE REQUIRED BY NEO-BANKS, AND A THOUGHTFULLY DESIGNED API SOLVES THE TASKS THAT ARISE WHEN BUILDING A BAAS MODEL<\/b><\/span>[\/vc_column_text][vc_empty_space height=\u00a0\u00bb40px\u00a0\u00bb][\/vc_column][\/vc_row][vc_row full_width=\u00a0\u00bbstretch_row\u00a0\u00bb equal_height=\u00a0\u00bbyes\u00a0\u00bb content_placement=\u00a0\u00bbmiddle\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1748342848647{margin-bottom: -40px !important;padding-top: 30px !important;padding-bottom: 30px !important;background-color: #E8432D !important;}\u00a0\u00bb][vc_column width=\u00a0\u00bb1\/6″ css=\u00a0\u00bb.vc_custom_1748443670093{border-color: #FFFFFF !important;}\u00a0\u00bb el_class=\u00a0\u00bbbenefit-icon-col\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb30px\u00a0\u00bb el_class=\u00a0\u00bbmobile-off\u00a0\u00bb][vc_single_image image=\u00a0\u00bb507″ img_size=\u00a0\u00bbfull\u00a0\u00bb alignment=\u00a0\u00bbcenter\u00a0\u00bb css=\u00a0\u00bb\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb30px\u00a0\u00bb el_class=\u00a0\u00bbmobile-off\u00a0\u00bb][\/vc_column][vc_column width=\u00a0\u00bb5\/6″ el_class=\u00a0\u00bbbenefit-content-col\u00a0\u00bb][vc_custom_heading text=\u00a0\u00bbSOLAR Transaction Processing Suite for your business to shine\u00a0\u00bb font_container=\u00a0\u00bbtag:h3|font_size:32px|text_align:left|color:%23FFFFFF|line_height:34px\u00a0\u00bb use_theme_fonts=\u00a0\u00bbyes\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1748964410636{margin-bottom: 10px !important;}\u00a0\u00bb el_class=\u00a0\u00bbweight-regular\u00a0\u00bb][vc_empty_space height=\u00a0\u00bb30px\u00a0\u00bb][vc_btn title=\u00a0\u00bbGet in touch\u00a0\u00bb style=\u00a0\u00bbcustom\u00a0\u00bb custom_background=\u00a0\u00bb#E8432D\u00a0\u00bb custom_text=\u00a0\u00bb#FFFFFF\u00a0\u00bb shape=\u00a0\u00bbround\u00a0\u00bb size=\u00a0\u00bblg\u00a0\u00bb align=\u00a0\u00bbleft\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1749727141010{margin-bottom: 0px !important;border-color: #FFFFFF !important;}\u00a0\u00bb link=\u00a0\u00bburl:%23″ el_class=\u00a0\u00bbbutton-red-bg popmake-1550″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

The bank of the future: what does it look like? What trends are shaping the advancement of the banking sector?<\/p>\n","protected":false},"author":3,"featured_media":2335,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43,21],"tags":[],"class_list":["post-2189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-fr","category-news-fr"],"_links":{"self":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts\/2189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/comments?post=2189"}],"version-history":[{"count":3,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts\/2189\/revisions"}],"predecessor-version":[{"id":2337,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/posts\/2189\/revisions\/2337"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/media\/2335"}],"wp:attachment":[{"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/media?parent=2189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/categories?post=2189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/solanteq.com\/fr\/wp-json\/wp\/v2\/tags?post=2189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}