Most people don't want to download yet another native app on their phone to do business with your company. Instead, consider the benefits of responsive web apps.
Banking-as-a-service (BaaS) is an end-to-end model that enables digital banks and financial technology or other third-party companies (fintechs) to directly connect with traditional bank systems via APIs and then build offerings on top of this regulated infrastructure.
In doing so, digital banks (such as Ally and Chime) and third-party fintech companies have the opportunity to completely reshape the landscape of the financial services industry.