What is Banking as a Service (BaaS)?
Banking as a Service is the model by which a licensed banking-infrastructure provider exposes core banking capabilities — accounts, cards, IBAN issuance, payments, KYC — through APIs, allowing non-ban...
Reference articles on Banking-as-a-Service, BIN sponsorship, card issuing, IBAN issuance and SEPA Instant. Written for fintechs and corporates evaluating banking infrastructure in 2026.
Banking as a Service is the model by which a licensed banking-infrastructure provider exposes core banking capabilities — accounts, cards, IBAN issuance, payments, KYC — through APIs, allowing non-ban...
A Bank Identification Number (BIN) is the first six to eight digits of a payment card number, identifying the issuing institution to the card scheme. BIN sponsorship is the arrangement under which a V...
Card issuing is the process by which a financial institution or its sponsored programme manager produces, distributes and operates payment cards on a scheme's rails — Visa, Mastercard, American Expres...
An International Bank Account Number (IBAN) is the standardised identifier for a bank account in international payments, defined by ISO 13616 and the European Committee for Banking Standards. IBAN iss...
SEPA Instant Credit Transfer — formally SCT Inst — is the European Payments Council scheme for real-time euro payments between bank accounts, settling end-to-end in under ten seconds, available 24 hou...