Banking-as-a-service and financial APIs

Providers of the accounts, cards, ledgers and data connections other fintechs build on. It has no schema of its own: companies here are mapped on the Fintech companies schema, and what it does not cover is recorded as gaps.

Baseline: Fintech companies v1
Inherited from: Fintech companies
Mapped on the schema: 0 of 0 placed here
Primitives: 60 in 8 parts
Last updated: 3 Nov 2026

Deepen this industry

Focused research on the organizations with the fewest mapped parts in banking-as-a-service and financial apis; what it finds is public for everyone.

Filter

28 parameters

Parameter	Primitive	Type	Unit	Companies	Median	Range
Net interest or fee margin	Rates, fees and spreadsPremium	Percent	%	Members	Members	—
Average fee on assets	Rates, fees and spreadsPremium	Number	basis points	Members	Members	—
Applications per month	Origination	Number	applications	0	—	—
Applications that fund or sign	Origination	Percent	%	0	—	—
Cost per funded loan or new client	Origination	Money	USD	0	—	—
Files with defects	Quality control and file review	Percent	%	0	—	—
Loan book or assets under management	Loan book and assets under management	Money	USD	0	—	—
Time to decision	UnderwritingPremium	Number	hours	Members	Members	—
Approval rate	UnderwritingPremium	Percent	%	Members	Members	—
Decisions made automatically	UnderwritingPremium	Percent	%	Members	Members	—
Cost to service an account	Servicing	Money	USD per year	0	—	—
Payments on time	Servicing	Percent	%	0	—	—
Days to onboard a client	Client onboarding	Number	days	0	—	—
Clients retained per year	Client retention	Percent	%	0	—	—
Sign-ups that fund an account	App sign-up and activation funnelPremium	Percent	%	Members	Members	—
Accounts 30 days or more past due	Collections and recoveries	Percent	%	0	—	—
Annual charge-off rate	Collections and recoveries	Percent	%	0	—	—
Cost of funds	Funding and liquidity	Percent	%	0	—	—
Capital ratio	Capital and funding lines	Percent	%	0	—	—
Funding sources	Capital and funding lines	Number	sources	0	—	—
Unreconciled items	Ledger and reconciliation	Number	items	0	—	—
Expected loss	Credit and portfolio risk	Percent	%	0	—	—
Book in the ten largest exposures	Credit and portfolio risk	Percent	%	0	—	—
Alerts cleared within target	Identity checks and anti-money-laundering	Percent	%	0	—	—
Periodic client reviews on schedule	Identity checks and anti-money-laundering	Percent	%	0	—	—
Reports filed on time	Regulatory reporting	Percent	%	0	—	—
Open examination findings	Regulatory reporting	Number	findings	0	—	—
Fraud losses as share of volume	Fraud and risk modelsPremium	Percent	%	Members	Members	—

Median and range are shown once 3 or more companies on Banking-as-a-service and financial APIs and below have published a number; each company counts once.

Filter

28 parameters

Parameter	Primitive	Type	Unit	Companies	Median	Range
Net interest or fee margin	Rates, fees and spreadsPremium	Percent	%	Members	Members	—
Average fee on assets	Rates, fees and spreadsPremium	Number	basis points	Members	Members	—
Applications per month	Origination	Number	applications	0	—	—
Applications that fund or sign	Origination	Percent	%	0	—	—
Cost per funded loan or new client	Origination	Money	USD	0	—	—
Files with defects	Quality control and file review	Percent	%	0	—	—
Loan book or assets under management	Loan book and assets under management	Money	USD	0	—	—
Time to decision	UnderwritingPremium	Number	hours	Members	Members	—
Approval rate	UnderwritingPremium	Percent	%	Members	Members	—
Decisions made automatically	UnderwritingPremium	Percent	%	Members	Members	—
Cost to service an account	Servicing	Money	USD per year	0	—	—
Payments on time	Servicing	Percent	%	0	—	—
Days to onboard a client	Client onboarding	Number	days	0	—	—
Clients retained per year	Client retention	Percent	%	0	—	—
Sign-ups that fund an account	App sign-up and activation funnelPremium	Percent	%	Members	Members	—
Accounts 30 days or more past due	Collections and recoveries	Percent	%	0	—	—
Annual charge-off rate	Collections and recoveries	Percent	%	0	—	—
Cost of funds	Funding and liquidity	Percent	%	0	—	—
Capital ratio	Capital and funding lines	Percent	%	0	—	—
Funding sources	Capital and funding lines	Number	sources	0	—	—
Unreconciled items	Ledger and reconciliation	Number	items	0	—	—
Expected loss	Credit and portfolio risk	Percent	%	0	—	—
Book in the ten largest exposures	Credit and portfolio risk	Percent	%	0	—	—
Alerts cleared within target	Identity checks and anti-money-laundering	Percent	%	0	—	—
Periodic client reviews on schedule	Identity checks and anti-money-laundering	Percent	%	0	—	—
Reports filed on time	Regulatory reporting	Percent	%	0	—	—
Open examination findings	Regulatory reporting	Number	findings	0	—	—
Fraud losses as share of volume	Fraud and risk modelsPremium	Percent	%	Members	Members	—

Median and range are shown once 3 or more companies on Banking-as-a-service and financial APIs and below have published a number; each company counts once.