{"id":29139,"date":"2021-05-16T21:50:54","date_gmt":"2021-05-16T19:50:54","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29139"},"modified":"2026-03-10T14:33:49","modified_gmt":"2026-03-10T13:33:49","slug":"%e9%93%b6%e8%a1%8c%e5%8d%b3%e6%9c%8d%e5%8a%a1-baas-%e5%a6%82%e4%bd%95%e8%bf%90%e4%bd%9c","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/how-does-banking-as-a-service-baas-work\/","title":{"rendered":"\u94f6\u884c\u5373\u670d\u52a1\uff08BAAS\uff09\u5982\u4f55\u8fd0\u4f5c\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u8fd9\u662f\u91d1\u878d\u79d1\u6280\u4e2d\u7684\u4e00\u4e2a\u9886\u57df\uff0c\u6b63\u5728\u98a0\u8986\u94f6\u884c\u4ea7\u54c1\u548c\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u7684\u4ea4\u4ed8\u65b9\u5f0f\u3002\u8fd9\u9879\u6280\u672f\u5141\u8bb8\u5c06\u4e0d\u540c\u7684\u89e3\u51b3\u65b9\u6848\u76f4\u63a5\u63d2\u5165\u5355\u4e00\u7684\u57fa\u7840\u8bbe\u65bd\u4e2d\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.capgemini.com\/news\/world-retail-banking-report-2019\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u51ef\u6377\u300a2019 \u5e74\u4e16\u754c\u96f6\u552e\u94f6\u884c\u62a5\u544a\u00a0<\/a>\u8868\u660e\u516c\u4f17\u5bf9\u91d1\u878d\u79d1\u6280\u548c\u5927\u578b\u79d1\u6280\u516c\u53f8\u7684\u63a5\u53d7\u7a0b\u5ea6\u8d85\u8fc7\u4e86\u4f20\u7edf\u94f6\u884c\u3002\u5728\u7cbe\u901a\u6280\u672f\u7684\u6d88\u8d39\u8005\u4e2d\uff0c\u6709 75% \u81f3\u5c11\u4f7f\u7528\u8fc7\u4e00\u79cd\u5927\u578b\u79d1\u6280\u516c\u53f8\u7684\u91d1\u878d\u4ea7\u54c1\u3002\u5ba2\u6237\u9009\u62e9\u975e\u4f20\u7edf\u4ea7\u54c1\u7684\u539f\u56e0\u5305\u62ec\u8d39\u7528\u4f4e\uff0870%\uff09\u3001\u7528\u6237\u4f53\u9a8c\u597d\uff0868%\uff09\u548c\u901f\u5ea6\u5feb\uff0854%\uff09\u3002\u8d85\u8fc7 80% \u7684\u6d88\u8d39\u8005\u4f1a\u5728\u672a\u6765 3 \u5e74\u5185\u66f4\u6362\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u5546\uff0c\u4ed6\u4eec\u4f7f\u7528\u7684\u91d1\u878d\u4ea7\u54c1\u5305\u62ec <a data-wpil-monitor-id=\"446\" href=\"https:\/\/www.investglass.com\/zh\/%e5%88%9b%e5%bb%ba%e6%95%b0%e5%ad%97%e9%93%b6%e8%a1%8c%e5%89%8d%e5%ba%94%e4%ba%86%e8%a7%a3%e7%9a%84%e4%ba%8b%e9%a1%b9\/\" target=\"_blank\" rel=\"noopener\">\u5927\u578b\u79d1\u6280\u516c\u53f8\u6216\u6570\u5b57\u94f6\u884c\u7684\u94f6\u884c\u4ea7\u54c1<\/a> \u94f6\u884c\u3002\u662f\u7684\uff0c\u745e\u58eb\u79c1\u4eba\u94f6\u884c\u53ef\u4ee5\u6210\u4e3a <a href=\"https:\/\/www.investglass.com\/zh\/2025-%e5%b9%b4%e6%95%b0%e5%ad%97%e9%93%b6%e8%a1%8c%e7%9a%84-7-%e5%a4%a7%e4%bc%98%e5%8a%bf\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6570\u5b57<\/a> \u94f6\u884c.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/te6th1h6bfk-1024x683.jpg\" alt=\"\u5f00\u673a\u663e\u793a\u5668\" class=\"wp-image-32084\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/te6th1h6bfk-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/te6th1h6bfk-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/te6th1h6bfk-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/te6th1h6bfk-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/te6th1h6bfk.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u5df2\u7ecf\u770b\u5230\u79d1\u6280\u5de8\u5934\uff08\u5982\u82f9\u679c\u3001\u8c37\u6b4c\uff09\u63d0\u4f9b\u81ea\u5df1\u54c1\u724c\u7684\u91d1\u878d\u670d\u52a1\uff0c\u5982\u8c37\u6b4c\u652f\u7968\u82f9\u679c\u5361\u3002BaaS \u662f\u6307\u57fa\u4e8e\u6570\u5b57\u5316\u7684\u94f6\u884c\u7ed3\u6784\uff0c\u901a\u8fc7\u6570\u636e\u5171\u4eab\u3001\u66f4\u597d\u7684\u6d41\u7a0b\u7ba1\u7406\u7cfb\u7edf\u548c\u4e13\u4e1a\u5316\u521b\u65b0\u6765\u521b\u5efa\u548c\u63d0\u4f9b\u91d1\u878d\u670d\u52a1\uff1a\u8d37\u6b3e\u3001\u4f17\u7b79\u3001\u666e\u60e0\u91d1\u878d\u3001\u8d44\u4ea7\u652f\u6301\u8bc1\u5238\u501f\u8d37\u7b49\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c3d\u7ba1\u5982\u6b64\uff0c\u8981\u4e3a\u4e0d\u540c\u5ba2\u6237\u7fa4\u63a8\u51fa\u5408\u9002\u7684\u5957\u9910\u5e76\u4e0d\u5bb9\u6613\u3002\u5927\u578b\u94f6\u884c\u548c\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u5fc5\u987b\u9762\u5bf9\u4fe1\u606f\u6280\u672f\u7684\u8bf1\u60d1\uff0c\u4fdd\u7559\u4f20\u7edf\u7684\u89e3\u51b3\u65b9\u6848\u3002\u6211\u4eec\u770b\u5230\uff0c\u5ba2\u6237\u5165\u804c\u901a\u5e38\u662f\u5927\u578b\u94f6\u884c\u5206\u6790\u7684\u7b2c\u4e00\u6b65\u3002InvestGlass \u56e2\u961f\u5728 COVID \u5371\u673a\u671f\u95f4\u4e3a 3 \u5bb6\u94f6\u884c\u7684\u89e3\u51b3\u65b9\u6848\u8fde\u63a5\u63d0\u4f9b\u4e86\u5efa\u8bae\u3002\u6211\u4eec\u7684\u60f3\u6cd5\u5f88\u7b80\u5355<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u80fd\u627e\u5230\u66f4\u597d\u66f4\u4fbf\u5b9c\u7684\uff0c\u90a3\u5c31\u5339\u914d\u4e86\uff01<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fintech-nbsp-solution-nbsp-during-the-coronavirus-crisis\"><strong>\u51a0\u72b6\u75c5\u6bd2\u5371\u673a\u671f\u95f4\u7684\u91d1\u878d\u79d1\u6280\u89e3\u51b3\u65b9\u6848<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u559c\u6b22\u4e0e Onfido \u5408\u4f5c\uff0c\u5b83\u53ef\u4ee5\u4e3a\u4ee5\u4e0b\u65b9\u9762\u63d0\u4f9b\u5168\u5957\u89e3\u51b3\u65b9\u6848 <a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/zh\/%e6%95%b0%e5%ad%97%e5%85%a5%e8%81%8c\/\" target=\"_blank\"  rel=\"noopener\" title=\"\u6570\u5b57\u5165\u804c\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"5571\">\u6570\u5b57\u5165\u804c<\/a>. .Onfido \u89e3\u51b3\u65b9\u6848\u8fd8\u5305\u62ec\u4e00\u4e2a KYC \u4fee\u590d\u5de5\u5177\uff0c\u53ef\u5b8c\u7f8e\u52a0\u5feb\u5f00\u6237\u5de5\u4f5c\u6d41\u7a0b\u3002\u8054\u7cfb\u89e3\u51b3\u65b9\u6848\u63d0\u4f9b\u5546\u5e2e\u52a9\u4f20\u7edf\u94f6\u884c\u53d8\u5f97\u66f4\u52a0\u7075\u6d3b\u3002\u73b0\u5728\uff0c\u94f6\u884c\u751f\u6001\u7cfb\u7edf\u5df2\u6210\u4e3a\u771f\u6b63\u7ade\u4e89\u4f18\u52bf\u7684\u5173\u952e\u3002\u5728\u8fd9\u4e2a\u4e16\u754c\u4e0a\uff0c\u6211\u4eec\u4e0d\u518d\u8d2d\u4e70\u6602\u8d35\u7684\u6280\u672f\uff0c\u800c\u662f\u8d2d\u4e70\u7075\u6d3b\u7684\u91d1\u878d\u79d1\u6280\u89e3\u51b3\u65b9\u6848\uff0c\u4ee5\u4fbf <a href=\"https:\/\/www.investglass.com\/zh\/%e5%a6%82%e4%bd%95%e5%88%9b%e5%bb%ba%e6%95%b0%e5%ad%97%e9%93%b6%e8%a1%8c%e5%b9%b3%e5%8f%b0-2\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"958\">\u521b\u5efa\u65b0\u4e00\u4ee3\u6838\u5fc3\u94f6\u884c\u5e73\u53f0<\/a>. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/gsuoclhxmde-1024x576.jpg\" alt=\"\u8eab\u7a7f\u9ed1\u8272\u5916\u5957\u3001\u624b\u6301\u767d\u7eb8\u7684\u5973\u5b50\" class=\"wp-image-32083\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/gsuoclhxmde-1024x576.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/gsuoclhxmde-300x169.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/gsuoclhxmde-768x432.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/gsuoclhxmde-1536x864.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/gsuoclhxmde.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-composable-nbsp-banking-nbsp-technology\">\u53ef\u7ec4\u5408\u94f6\u884c\u6280\u672f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u8fd1\uff0c\u6211\u4eec\u7814\u7a76\u4e86&nbsp;<a href=\"https:\/\/thoughtmachine.net\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u601d\u60f3\u673a\u5668&nbsp;<\/a>\u5b83\u4e3a\u5bfb\u627e\u767d\u6807\u94f6\u884c\u8f6f\u4ef6\u7684\u94f6\u884c\u63d0\u4f9b\u4e86\u5b8c\u7f8e\u7684\u89e3\u51b3\u65b9\u6848\u3002\u8be5\u89e3\u51b3\u65b9\u6848\u53ef\u4e0e\u865a\u62df\u5361\u7cfb\u7edf\u8fde\u63a5\uff0c\u81ea\u7136\u9002\u5408\u8d37\u6b3e\u4e1a\u52a1\uff0c\u5e76\u7b26\u5408\u591a\u79cd\u76d1\u7ba1\u5236\u5ea6\u3002\u5982\u679c\u60a8\u6b63\u5728\u5bfb\u627e\u4e0b\u4e00\u4e2a&nbsp;<a href=\"https:\/\/monzo.com\/about\/\" target=\"_blank\" rel=\"noreferrer noopener\">Monzo<\/a>&nbsp;<a href=\"https:\/\/n26.com\/en-us\" target=\"_blank\" rel=\"noreferrer noopener\">N26<\/a>&nbsp;<a href=\"https:\/\/qonto.com\/it\" target=\"_blank\" rel=\"noreferrer noopener\">Qonto<\/a>&nbsp;\u5b83\u53ef\u80fd\u662f\u6d4b\u8bd5\u7684\u6b63\u786e\u5408\u4f5c\u4f19\u4f34\u3002\u5f53\u7136\uff0c\u5c06\u8fd9\u4e9b\u70b9\u8fde\u63a5\u8d77\u6765\u53ef\u80fd\u662f\u4e00\u4e2a\u6311\u6218\uff0c\u5c31\u50cf\u4e00\u5757\u7816\u5934\u548c\u4e00\u5757\u7816\u5934\u5e76\u4e0d\u5b8c\u5168\u5339\u914d\uff0c\u4f46 API \u5c31\u662f\u4f60\u9700\u8981\u7684\u7802\u6d46\u3002\u8bf7\u52ff\u4f7f\u7528 \u201c\u5de5\u4eba\u201d--2021 \u5e74\uff0c\u60a8\u503c\u5f97\u62e5\u6709 API\uff01\u5728\u8ba1\u7b97\u9886\u57df\uff0c\u5e94\u7528\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u662f\u5b9a\u4e49\u591a\u4e2a\u8f6f\u4ef6\u5e94\u7528\u7a0b\u5e8f\u6216\u8f6f\u786c\u4ef6\u6df7\u5408\u4e2d\u4ecb\u4e4b\u95f4\u4ea4\u4e92\u7684\u63a5\u53e3\u3002.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-banking-as-a-service-trends-for-2020\">2020 \u5e74\u94f6\u884c\u5373\u670d\u52a1\u7684\u53d1\u5c55\u8d8b\u52bf<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u672a\u6765\u7684 BaaS \u5c06\u6bd4\u6211\u4eec\u4eca\u5929\u770b\u5230\u7684\u66f4\u52a0\u6210\u719f\u3001\u6a21\u5757\u5316\u548c\u4f18\u5316\u3002BaaS \u7684\u5b9a\u4e49\u5c06\u5206\u4e3a\u591a\u4e2a\u9886\u57df\uff0c\u65b0\u7684\u5e02\u573a\u8fdb\u5165\u8005\uff0c\u5c24\u5176\u662f\u5927\u578b\u79d1\u6280\u5de8\u5934--\u4e2d\u56fd\u963f\u91cc\u5df4\u5df4\u7684\u65b0\u4e91\uff1f\u662f\u7684\uff0c\u89e3\u51b3\u65b9\u6848\u6765\u81ea\u7f8e\u56fd\u548c\u4e2d\u56fd\uff0c\u4f46\u4e3a\u4ec0\u4e48\u4e0d\u6765\u81ea\u745e\u58eb\u5462\uff1f\u6211\u4eec\u76f8\u4fe1\uff0c\u8bb8\u591a\u516c\u53f8\u5c06\u5bfb\u6c42&nbsp;<a href=\"https:\/\/en.wikipedia.org\/wiki\/CLOUD_Act\" target=\"_blank\" rel=\"noreferrer noopener\">\u514d\u8d39\u4e91\u884c\u52a8<\/a>&nbsp;Neuroprofiler \u7b49\u89e3\u51b3\u65b9\u6848\u3001,&nbsp;<a href=\"https:\/\/connective.eu\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8fde\u63a5<\/a>, InvestGlass&nbsp;<a href=\"https:\/\/www.investglass.com\/zh\/%e5%ae%a2%e6%88%b7%e5%85%b3%e7%b3%bb%e7%ae%a1%e7%90%86\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406<\/a>&nbsp;\u5728\u672a\u6765\u51e0\u5e74\u91cc\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">API \u4e1a\u52a1\u4e5f\u5c06\u53d1\u751f\u53d8\u5316\u3002\u6211\u4eec\u5df2\u7ecf\u770b\u5230\uff0c\u8bb8\u591a\u6838\u5fc3\u94f6\u884c\u89e3\u51b3\u65b9\u6848\u7684 API \u5f88\u5dee\u6216\u5f88\u5c11\u3002\u6ca1\u9519\uff0c\u672a\u6765\u5c31\u662f API\uff0c\u800c\u4e14\u662f\u4eba\u5de5\u667a\u80fd\u673a\u5668\u4eba\u3002\u672a\u6765\u7684 BaaS \u5c06\u9996\u5148\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\uff0c\u5ba2\u6237\u662f\u5426\u4f1a\u5bfb\u6c42 <a href=\"https:\/\/www.investglass.com\/zh\/%e5%a6%82%e4%bd%95%e5%bb%ba%e7%ab%8b%e4%bc%8a%e6%96%af%e5%85%b0%e6%96%b0%e9%93%b6%e8%a1%8c\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"768\">\u4f0a\u65af\u5170\u94f6\u884c<\/a>. .\u7136\u540e\uff0c\u6211\u4eec\u5c06\u8fde\u63a5\u5230\u4e00\u4e2a\u4f0a\u65af\u5170\u503a\u5238\u4e13\u9898\u5e94\u7528\u7a0b\u5e8f\uff0c\u540c\u6837\u7684\uff0c\u5bf9\u4e8e\u7d20\u98df\u8005\uff0cISR \u4e5f\u662f\u5982\u6b64\u3002 <a class=\"wpil_keyword_link\" href=\"https:\/\/www.investglass.com\/zh\/%e7%ae%a1%e7%90%86%e6%8a%95%e8%b5%84%e7%bb%84%e5%90%88\/\" target=\"_blank\" rel=\"noopener\" title=\"ESG\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"707\">ESG<\/a>. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/uwzpks8ce3k-1024x684.jpg\" alt=\"\u5e73\u9759\u5929\u7a7a\u4e0b\u7684\u4e24\u5ea7\u6e05\u771f\u5bfa\u5c16\u5854\" class=\"wp-image-32081\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/uwzpks8ce3k-1024x684.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/uwzpks8ce3k-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/uwzpks8ce3k-768x513.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/uwzpks8ce3k-1536x1026.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/05\/uwzpks8ce3k.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u8fd8\u53ef\u4ee5\u60f3\u8c61\uff0c\u5c06\u6709\u66f4\u591a\u7684 KYC \u534f\u8bae\u4ee5\u53ca\u8eab\u4efd\u9a8c\u8bc1\u6807\u51c6\u5b9e\u73b0\u6807\u51c6\u5316\u3002\u5728\u901a\u4fe1\u6807\u51c6\u65b9\u9762\uff0c\u6211\u4eec\u5c06\u770b\u5230\u53d7\u533a\u5757\u94fe\u542f\u53d1\u7684\u65b0\u534f\u8bae\u7684\u6539\u8fdb\uff0c\u5982&nbsp;<a href=\"https:\/\/nymtech.net\/\" target=\"_blank\" rel=\"noreferrer noopener\">NYM<\/a>&nbsp;\u534f\u8bae--\u6253\u9020\u672a\u6765\u7684\u901a\u4fe1\u6216&nbsp;<a href=\"https:\/\/www.qwil.io\/\" target=\"_blank\" rel=\"noreferrer noopener\">Qwil<\/a>&nbsp;\u662f\u82f1\u56fd\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u4f7f\u7528\u7684\u4e00\u6b3e\u51fa\u8272\u7684\u804a\u5929\u5e94\u7528\u7a0b\u5e8f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u66f4\u591a\u4fe1\u606f\uff1f<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u91d1\u878d\u79d1\u6280\u805a\u7126\uff1a\u4ec0\u4e48\u662f\u94f6\u884c\u5373\u670d\u52a1\uff08BaaS\uff09\uff1f<\/strong>&nbsp;- \u6458\u8981\uff1a\u63a2\u8ba8\u865a\u62df\u94f6\u884c\uff08\u4e5f\u79f0\u65b0\u94f6\u884c\u6216\u6311\u6218\u8005\u94f6\u884c\uff09\u5982\u4f55\u8fd0\u4f5c\uff0c\u4ee5\u53ca\u4e3a\u4ec0\u4e48 2020 \u5e74\u5c06\u6539\u53d8\u94f6\u884c\u6a21\u5f0f...... (medium.com)<\/li>\n\n\n\n<li><strong>\u5728\u51a0\u72b6\u75c5\u6bd2\u5371\u673a\u671f\u95f4\u63d0\u4f9b\u514d\u8d39\u6280\u672f\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u540d\u5355<\/strong>&nbsp;- \u5728\u6b64\u8270\u96be\u65f6\u523b\uff0c\u8bb8\u591a\u91d1\u878d\u79d1\u6280\u516c\u53f8\u90fd\u5728\u63d0\u4f9b\u514d\u8d39\u3001\u6298\u6263\u6216\u52a0\u901f\u90e8\u7f72\u7684\u4f18\u60e0\u3002\uff08forbes.com\uff09<\/li>\n\n\n\n<li><strong>\u6570\u5b57\u94f6\u884c\u7684 SaaS \u4e0e\u5185\u90e8\u90e8\u7f72\uff1a5 \u4e2a\u8003\u8651\u8981\u70b9<\/strong>&nbsp;- \u5982\u4eca\uff0c\u4f01\u4e1a\u5df2\u8fc5\u901f\u8f6c\u5411\u4e91\u6280\u672f\u3002\u968f\u7740\u98a0\u8986\u6027\u6280\u672f\u548c\u5ba2\u6808...... (finextra.com)<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>This is a sector in FinTech that is disrupting the delivery of bank products and asset managers. This&nbsp;technology&nbsp;is allowing to directly plug different solutions into one single infrastructure. Capgemini&#8217;s World Retail\u00a0Banking\u00a0Report 2019\u00a0shows the public&#8217;s acceptance of\u00a0FinTech\u00a0and big tech companies over\u00a0traditional banks. 75% of tech-savvy consumers use at least one financial product from a big tech [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29140,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[411],"class_list":["post-29139","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-banking-as-a-service"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Does Banking as a Service (BAAS) work? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Discover how Banking as a Service (BaaS) works, its benefits, and how it enables fintech innovation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/zh\/\u94f6\u884c\u5373\u670d\u52a1-baas-\u5982\u4f55\u8fd0\u4f5c\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does Banking as a Service (BAAS) work?\" \/>\n<meta property=\"og:description\" content=\"This is a sector in FinTech that is disrupting the delivery of bank products and asset managers. This&nbsp;technology&nbsp;is allowing to directly plug\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/zh\/\u94f6\u884c\u5373\u670d\u52a1-baas-\u5982\u4f55\u8fd0\u4f5c\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-16T19:50:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-10T13:33:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/lqt_bowtyse.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 \u5206\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u94f6\u884c\u5373\u670d\u52a1\uff08BAAS\uff09\u5982\u4f55\u8fd0\u4f5c\uff1f| InvestGlass","description":"\u4e86\u89e3\u94f6\u884c\u5373\u670d\u52a1\uff08BaaS\uff09\u7684\u5de5\u4f5c\u539f\u7406\u3001\u4f18\u52bf\u4ee5\u53ca\u5982\u4f55\u4fc3\u8fdb\u91d1\u878d\u79d1\u6280\u521b\u65b0\u3002.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/zh\/\u94f6\u884c\u5373\u670d\u52a1-baas-\u5982\u4f55\u8fd0\u4f5c\/","og_locale":"zh_CN","og_type":"article","og_title":"How Does Banking as a Service (BAAS) work?","og_description":"This is a sector in FinTech that is disrupting the delivery of bank products and asset managers. This&nbsp;technology&nbsp;is allowing to directly plug","og_url":"https:\/\/www.investglass.com\/zh\/\u94f6\u884c\u5373\u670d\u52a1-baas-\u5982\u4f55\u8fd0\u4f5c\/","og_site_name":"InvestGlass","article_published_time":"2021-05-16T19:50:54+00:00","article_modified_time":"2026-03-10T13:33:49+00:00","og_image":[{"width":900,"height":1200,"url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/lqt_bowtyse.jpg","type":"image\/jpeg"}],"author":"InvestGlass","twitter_card":"summary_large_image","twitter_creator":"@investglass","twitter_site":"@investglass","twitter_misc":{"\u4f5c\u8005":"InvestGlass","\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4":"5 \u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#article","isPartOf":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/"},"author":{"name":"InvestGlass","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24"},"headline":"How Does Banking as a Service (BAAS) work?","datePublished":"2021-05-16T19:50:54+00:00","dateModified":"2026-03-10T13:33:49+00:00","mainEntityOfPage":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/"},"wordCount":835,"publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"image":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/lqt_bowtyse.jpg","keywords":["banking as a service"],"articleSection":["Article"],"inLanguage":"zh-Hans","copyrightYear":"2021","copyrightHolder":{"@id":"https:\/\/www.investglass.com\/zh\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/","url":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/","name":"\u94f6\u884c\u5373\u670d\u52a1\uff08BAAS\uff09\u5982\u4f55\u8fd0\u4f5c\uff1f| InvestGlass","isPartOf":{"@id":"https:\/\/www.investglass.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#primaryimage"},"image":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/lqt_bowtyse.jpg","datePublished":"2021-05-16T19:50:54+00:00","dateModified":"2026-03-10T13:33:49+00:00","description":"\u4e86\u89e3\u94f6\u884c\u5373\u670d\u52a1\uff08BaaS\uff09\u7684\u5de5\u4f5c\u539f\u7406\u3001\u4f18\u52bf\u4ee5\u53ca\u5982\u4f55\u4fc3\u8fdb\u91d1\u878d\u79d1\u6280\u521b\u65b0\u3002.","breadcrumb":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#breadcrumb"},"inLanguage":"zh-Hans","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/"]}]},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#primaryimage","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/lqt_bowtyse.jpg","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/lqt_bowtyse.jpg","width":900,"height":1200,"caption":"blue, red, and white artwork"},{"@type":"BreadcrumbList","@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"InvestGlass","item":"https:\/\/www.investglass.com\/"},{"@type":"ListItem","position":2,"name":"How Does Banking as a Service (BAAS) work?"}]},{"@type":"WebSite","@id":"https:\/\/www.investglass.com\/#website","url":"https:\/\/www.investglass.com\/","name":"\u6295\u8d44\u73bb\u7483","description":"\u745e\u58eb\u4e3b\u6743 CRM","publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"alternateName":"InvestGlass","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.investglass.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-Hans"},{"@type":["Organization","Place"],"@id":"https:\/\/www.investglass.com\/#organization","name":"\u6295\u8d44\u73bb\u7483","url":"https:\/\/www.investglass.com\/","logo":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#local-main-organization-logo"},"image":{"@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#local-main-organization-logo"},"sameAs":["https:\/\/x.com\/investglass","https:\/\/www.linkedin.com\/company\/investglass\/","https:\/\/www.youtube.com\/channel\/UCt5r5XgzbSq2KhguJQxCwyA"],"telephone":[],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday","Sunday"],"opens":"09:00","closes":"17:00"}]},{"@type":"Person","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24","name":"\u6295\u8d44\u73bb\u7483","image":{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","caption":"InvestGlass"},"sameAs":["https:\/\/www.investglass.com"],"url":"https:\/\/www.investglass.com\/zh\/author\/axginvestglass-com\/"},{"@type":"ImageObject","inLanguage":"zh-Hans","@id":"https:\/\/www.investglass.com\/how-does-banking-as-a-service-baas-work\/#local-main-organization-logo","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","width":839,"height":192,"caption":"InvestGlass"}]}},"_links":{"self":[{"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/posts\/29139","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/comments?post=29139"}],"version-history":[{"count":0,"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/posts\/29139\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/media\/29140"}],"wp:attachment":[{"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/media?parent=29139"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/categories?post=29139"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investglass.com\/zh\/wp-json\/wp\/v2\/tags?post=29139"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}