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white paper

Banking as a Service

An evolutionary way to enable APIs over the banking platform
Sachin Hebbar
Sachin Hebbar

About the white paper

This white paper explores the concept of API-enabled Banking as a Service (BaaS), which enables businesses to embed financial services directly into their own products and services.


It discusses the enterprise architecture and governance necessary to implement BaaS and provides a reference architecture for banking. The paper also delves into the banking platform architecture and the key success factors necessary for successful implementation of BaaS. At an overall level, the paper emphasizes the importance of adopting API-enabled BaaS as a competitive differentiator and outlines the key elements necessary to do so.


The main topics of this white paper comprise:

  • Embedded finance and Banking-as-a-service
  • Enterprise Architecture and Governance
  • Reference Architecture for Banking
  • Banking Platform Architecture
  • Key Success Factors
Sachin Hebbar
Sachin Hebbar

Banking , Bfsi , Transform , Api

White paper

Leveraging API-enabled Banking as a Service


Banking , Bfsi , Transform , Api