The investment case for Embedded Finance

Banking as a service, The Quarterly Review

The Quarterly Review: Newline by Fifth Third’s GM Tom Bianco plans on strengthening products, client experiences, and brand equity

• Newline by Fifth Third's Tom Bianco joins The Quarterly Review roster to share how he plans to grow the firms products, client experiences, and brand recognition.
• His strategy is a combination of client research, integrating new payment rails like FedNow, and shinning a light on the team behind Newline.

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

What BaaS companies learned the hard way in 2024 — and what’s coming next

• The BaaS landscape has been turbulent for sometime, in today's story we recap at the major hurdles like regulations and narrowing partner bank network in 2024.
• We will also take a look at how these challenges were solved by partner banks and fintechs and what strategies and trends may emerge in the industry in the new year.

Banking as a service, Business of Fintech, Embedded Finance, Keys to growth

Looking back and moving forward: How fintechs will beat back the dark clouds of 2024, capitalize on trends like AI, and build resilient firms in 2025

• Last year was full of uncertainty for the fintech sector. VC winter did not ebb and at the same time regulators closed the parameter around sectors like BaaS, making these firms hyper-focused on compliance.
• In this new year we look at how fintechs fared in 2024 and explore what shifts we can expect from these companies in this new year. 

Banking, Banking as a service

“We are not just going to take on business for the sake of taking on business”: Fifth Third’s Dan Dall’Asta on how Newline structures BaaS partnerships

• Fifth Third's embedded finance play in the form of Newline has been yielding the firm results with the bank’s commercial payments revenue reported to have grown by 10% at the end of Q3 compared to the same quarter last year. 
• The secret to Newline by Fifth Third's success is prioritizing having a standardized compliance and oversight model and only working with clients that want to be in it for the long haul.

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.