Retailers are increasingly stepping into the financial services space by embedding financial products within their customer experience. What does that mean for banks and BaaS? Which services will flourish? Tom Bentley, Chief Commercial Officer of Vodeno believes the ones to watch are decoupled debit, B2B BNPL and merchant financing. He outlined the potential benefits of BaaS and the future of FinTech-driven retail to Robin Amlôt of IBS Intelligence.