Fintech is a mess. Is BaaS the outlier?

It’s been a rollercoaster ride for the banking-as-a-service sector over the last year, with a host of mergers and acquisitions and layoffs. On the other hand, large companies are eagerly adopting the concept for competitive advantages and to drive value for customers.
BaaS can refer to three different parts of the industry: one is the classic one of offering bank-like services to other players in the industry, a second is providing the charter and bank services, however not doing the underwriting, and a third is banking components, which is more of a fintech, that isn’t a bank, providing bank-

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