Banking-as-a-Service (BaaS) Strategy
Embed banking into platforms via APIs.
The executive challenge
The problem this program solves
The balance sheet says one thing about banking-as-a-service and the customer data says another — and nobody can reconcile them before the next board meeting. Every partnership signed without governance economics becomes a renegotiation you conduct from weakness. In five days you rebuild the banking-as-a-service decision: value chains priced, scenarios stressed, partnerships structured, and a board-grade agenda sequenced.
Context
Why this matters now
Capability
What you will be able to do
- Diagnose where your institution creates — and destroys — value in banking-as-a-service across the balance sheet.
- Stress-test banking-as-a-service strategy against rate, FX and credit scenarios before the board or the supervisor does.
- Anticipate the regulatory trajectory of banking-as-a-service before it is written into rulebooks.
- Structure banking-as-a-service products, pricing and partnerships that survive regulatory and competitive stress.
The IPAT Course Standard
The five-day journey
Each day is a deliberate progression in managerial capability — from strategic context, to analytical frameworks, to applied practice, to executive judgement under pressure, to a capstone that produces something your organisation keeps.
IPAT Signature Case™
The Partnership With Two Ledgers
A regional microfinance group has signed a fintech partnership in banking-as-a-service: revenue is shared one way in the contract and recognised another way in the books, and the partner’s conduct is now a supervisory topic. Nobody has reconciled the two ledgers since launch.
Your decision: Renegotiate, ring-fence, or exit the banking-as-a-service partnership — before the supervisor reconciles them for you.
IPAT Data Lab™
The banking-as-a-service unit economics at a development finance institution work in the business case and fail in the ledger.
Dataset: Synthetic product-level revenue, cost and capital data for a development finance institution.
Your task: Rebuild the unit economics, stress them against rate and funding shocks, and recommend what to scale or exit.
A stress-tested banking-as-a-service economics model and a board-grade summary page.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Produce a digital finance transformation strategy for your institution: where to play, what to own, which partnerships, and the regulatory posture required.
Methodology
Frameworks you will master
- • IPAT Decision Intelligence Framework™
- • IPAT Transformation Architecture™
- • Value-chain decomposition
- • Risk-adjusted performance measurement (RAROC)
- • Basel-aligned capital and liquidity concepts
Cohorts
Upcoming cohorts
New dates are being scheduled
Register with your preferred start date and our admissions team will match you to the next available cohort — or contact us to arrange an in-house delivery for your organisation.
Register your interestExplore further
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