Banking as a Service…
and a solution.

What is BaaS?

Our Banking as a Service (BaaS) offering allows new or emerging financial service companies and financial institutions with innovative ideas for financial services and products to avoid the hassle of applying for their own banking licence.

You can build your financial services or embedded finance offering on Yobota’s super flexible, cloud-native core, and launch your products to market using the banking licence of an existing bank, like that of our partner company, Chetwood Financial.

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While there are many companies talking about Banking as a Service, true BaaS is in the B – you need to provide the banking licence and the balance sheet to really ease the route to market.

Why is it so exciting?

BaaS solutions mean that, not only can you take advantage of a stack of pre-existing, ready to go financial products, and get them to market in no time at all; but even if you have a really specific, niche offering in mind, the cost of entry to the marketplace is dramatically reduced. So an idea that might not have been worth pursuing before, suddenly is.

Banking as a Service can increase customer satisfaction for non financial businesses

The implications for the customer are huge, because:

  • It’s much easier for new financial institutions and service providers to offer banking services, forcing legacy banks to be more competitive
  • Enabling a really straightforward route to market for these companies with cool ideas for financial services that will genuinely help people do more with their money

Check out our full BaaS offering.

Download brochure

Check out our full BaaS offering.

Download brochure

Latest news.

Banking as a Service…and a solution

At AltFi’s recent Lending Summit event, Yobota’s CEO, Ammar Akhtar, and Chetwood’s CEO, Andy Mielczarek, took part in a fireside chat to discuss the.…

Read article
8 min read

Latest News.

Core banking provider Yobota enters Banking-as-a-Service market

Next-gen core banking provider Yobota has announced its move into the Banking-as-a-Service (BaaS) market through a new partnership with Chetwood Financial. BaaS describes a business model in which licensed banks grant companies access to their modular banking services, generally via application programming interfaces (APIs). This allows businesses to develop their own financial offerings, such as lending and payment services, on top of the BaaS provider’s regulated infrastructure.

Read Article
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3 mins read


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