Tearsheet’s Embedded Conference Preview: Richie Serna, Finix

Banking, Banking as a service, Creating win-win partnerships, Embedded Finance

The embedded finance playbook: Partner banks need quality not quantity 

• As consumer demand grows, sponsor banks—especially smaller ones—face intensified FDIC enforcement actions on third-party relationships.
• By prioritizing a "quality over quantity" mindset, Grasshopper Bank is navigating complex regulatory demands while realizing embedded finance growth.

Banking as a service, Creating win-win partnerships, Embedded Finance

Facing the new normal: How BaaS players can meet rising industry standards and still maintain strong relationships

• How can financial industry participants rethink their strategies to manage risk and compliance effectively while maintaining healthy relationships in the BaaS ecosystem?
• Industry experts weigh in on whether this is the right moment for FIs to become partner banks, how businesses can choose the right BaaS provider, and how providers can deliver satisfactory BaaS services.

Banking as a service, Business of Fintech, Creating win-win partnerships, Embedded Finance

How to run a BaaS relationship, a guide for fintechs and banks

• The biggest problem in the current intermediary-reliant BaaS set up is that it makes it very hard to isolate who is responsible for what, and in so doing, complicates risk mitigation strategies.
• These relationships have now come home to roost and are forcing sponsor banks as well as fintechs to build partnerships that are clearer and more stable from the outset.

Banking as a service

How mutually beneficial partnerships within the BaaS ecosystem can help banks and fintechs expand into lending: Piermont Bank’s Rodrigo Suarez

• In a conversation about BaaS relationships during Tearsheet Talks, Piermont Bank's chief banking officer shares valuable insights on the dynamics of bank-fintech partnerships.
• Delve into the world of sustainable collaborations by learning how aligning incentives and leveraging expertise can reshape the future of banking.

Banking as a service

On raising a financially informed generation: Behind Stockpile’s new debit card targeting families

• Digital brokerage platform Stockpile has teamed up with Green Dot to launch a youth-focused debit card as part of Stockpile’s product lineup.
• CEO of Stockpile, Victor Wang and Green Dot's Simran Singh share insights on how this collaboration supports building financial confidence among younger consumers.