Banking-as-a-Service and partner risk
BaaS products depend on regulated bank sponsors whose requirements, risk appetite, and operational decisions can determine whether and how the fintech product can operate.
Insurance distribution risk
Notes on embedded insurance models, partner roles, licensing analysis, and customer-facing responsibilities.
Embedded insurance and insurance-adjacent fintech models should be reviewed for who is selling, advising, referring, administering, collecting information, and communicating with customers.
Why structure matters
Distribution models can raise licensing, disclosure, compensation, marketing, and partner responsibility questions. The contractual structure should reflect the actual customer experience.
Internal links
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