Fintech Insider Podcast by 11:FS 966. Insights: Inside the unbundling and rebundling of financial services
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May 29, 2025 Join Martin Della Chiesa, CEO of Skaleet; Christian Rau from Mastercard; and Emilia Bayer from Primer as they unravel the exciting dynamics of unbundling and rebundling in financial services. They explore how technology is reshaping banking, driving modular services that enhance customization. The conversation contrasts outdated banking models with user-centric approaches, emphasizing the importance of strategic partnerships in delivering seamless experiences. Get insights on how the financial landscape might look by 2030!
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Unbundling Transformed Banking Models
- Financial services shifted from a universal, fully bundled model to mostly unbundled specialized point solutions since around 2015-2018.
- Technological APIs and regulatory changes enabled this shift, allowing firms to excel at narrow services rather than average at many.
From Unbundling to Super Apps
- Fintechs have evolved from highly unbundled mobile-first propositions to rebundling services for broader offerings.
- This rebundling creates 'super apps' that bundle more services than traditional banks ever did.
Bundled Frontend with Modular Backend
- Firms can provide a bundled front-end customer experience while using modular, unbundled backend services.
- This decoupling between customer-facing and backend operations enables best-of-breed combinations.