Banking as a Service
The model by which a licensed banking-infrastructure provider exposes core banking capabilities through APIs.
Reference articles on Banking-as-a-Service, BIN sponsorship, card issuing, IBAN issuance, SEPA Instant, AML screening, KYB, EMI licences, PSD2, ISO 20022 and embedded finance. Written for fintechs and corporates evaluating banking infrastructure in 2026.
The model by which a licensed banking-infrastructure provider exposes core banking capabilities through APIs.
How Visa or Mastercard Principal Members share BIN ranges with fintech programme managers.
The process of producing, distributing and operating payment cards on a scheme's rails.
How banks and licensed payment institutions generate IBANs and link them to ledgers via APIs.
The pan-European instant credit transfer scheme settling payments in under ten seconds.
How a licensed bank enables non-bank fintechs to access payment rails and IBAN issuance.
How four-digit ISO 18245 codes classify merchants and shape interchange, controls and rewards.
Corporate identity verification, UBO discovery and AML screening for business customers.
Sanctions, PEP and adverse-media screening — the operational core of anti-money-laundering compliance.
The Electronic Money Institution licence that authorises issuing e-money, IBANs and cards across the EEA.
The structured XML messaging standard replacing legacy SWIFT MT messages across global payment rails.
How Visa and Mastercard allocate Bank Identification Number ranges and how programme managers slice them.
The fee paid by a merchant's acquirer to the cardholder's issuer — the core economics of card payments.
The integration of payments, lending and accounts into non-financial products and customer journeys.
The EU Payment Services Directive 2 — Strong Customer Authentication, Open Banking APIs, AISP/PISP.