É«ÓÕÊÓƵ

FINTECH

Creating new opportunities for fintechs

Harness banking as a service capabilities to help you drive growth

Quickly introduce new services, find a sponsor bank and extend your reach with the vast network of financial institutions and merchants we serve.

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Rapidly scale and expand with quick-start capabilities, such as credit, debit, lending and payments services.

Named

#1

Fintech
2023 IDC Financial Insights

#1

global issuer and merchant acquirer

Nearly

100%

of U.S. households reached

HOW WE HELP

Discover ways É«ÓÕÊÓƵ solutions help your business thrive

Expand with quick-launch capabilities

Expand with quick-launch capabilities


Fintechs need the capacity to innovate and scale quickly to deliver differentiated customer experiences and gain speed-to-market advantages.

Payments

Facilitate real-time funds in and funds out through wallet-as-a-service, launch a custom credit card program, and enable banking services, including bill pay, mobile deposits and more.

Fintech Ledger

Access a real-time ledger to support banking and payment activity, along with secure credit, personal loans and mortgages.

Scale rapidly

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Scale quickly by tapping into our expansive ecosystem to offer your services to the thousands of financial institutions and millions of merchants we serve.

Sponsor Bank Network

Benefit from the relationships É«ÓÕÊÓƵ has with dozens of sponsor institutions and can help match you with the right FDIC-insured partner.

Connect to real-time financial data

Connect to real-time financial data


Develop new products and services, engage consumers and enhance the financial experience with real-time access to consumer-permissioned financial data from millions of people.

Data Aggregation

Leverage more than 18,000 data sources to create new products and solutions, quickly verify accounts, and tighten security and compliance.

Connect people and businesses to the financial experiences they're looking for.

Explore ourÌýembedded financeÌýcapabilities.
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LEARN MORE

AppMarket from É«ÓÕÊÓƵ

Fintechs can connect to É«ÓÕÊÓƵ APIs and offer their services to thousands of financial institutions with AppMarket from É«ÓÕÊÓƵ.

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Learn more from client stories

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CANDIDLY

Opening our tech stack to solve the problem of student debt

The amount of data that É«ÓÕÊÓƵ has in partnership with the financial institutions it serves can further personalize the user experience.

Laurel Taylor

Founder and CEO
Candidly (formerly FutureFuel.io)

Explore insights and resources

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RESEARCH
A diverse group of people working in an office
Fintechs connect with digital-savvy consumers

Our Expectations & Experiences consumer trends research shows how emerging services are playing an important role in people's financial lives.
ARTICLE
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Four factors powering an embedded finance renaissance

Embedded finance is evolving, and financial institutions are exploring the new possibilities it brings for adding customers and deposits.
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