銀行將其資源開放給第三方服務提供商，成為服務媒合中心與金融科技推動者，創造了銀行即服務 (BaaS)模式，利用銀行和金融科技公司的優勢，為所有參與者創造價值。傳統上銀行獨佔金融服務，但科技給金融實務帶來劇變。金融科技公司也開始提供金融服務，從而創造了銀服務若銀行模式 (SaaB)。隨著技術不斷革新現有銀行業務，銀行和金融科技公司正在通過應用程式介面(Application Programming Interface,(API)構建平台並共享資源。從而使得這兩種模式的比較成為一個有趣的研究議題。本研究首先定義了BaaS 和SaaB，並選取了6 個具有代表性的案例，每個模式分別選取3個案例進行內容分析。這項研究通過技術和商業角度比較了同一模型的案例，並基於平台的可訪問性、平台的吸引力和生態系統內共同創造的價值來比較兩種模型。這項工作展示了銀行克服老舊系統帶來的挑戰的幾種策略。本研究發現，銀行和金融科技公司在構建平台、開放API、形成生態系統、為所有參與者創造價值方面具有相似之處。但它們扮演著不同的角色。這兩種模式下的企業都是服務交付中心，但有了銀行牌照，銀行就成了金融科技的推動者、監督者和數位轉型加速器。相對的，沒有銀行執照銀行就不能從事金融服務，這使得它們很難向不同的國家擴張。金融科技公司的可訪問性更高，可以更好地吸引客戶並與他人合作。銀行提供量身定制的金融解決方案，因此客戶可以無縫地採用類似的解決方案，從而更容易被取代。相反，金融科技公司受到服務供應商使用多平台問題的影響較小。這項研究表明，傳統的銀行業務已經發生了翻天覆地的變化。銀行與金融科技公司合作，為客戶提供高效、安全的服務，從而降低運營成本。本研究還指出了影響企業經營的關鍵問題，如不同服務的同質性和監管問題。

Making available their resources to third-party service providers, banks are becoming service delivery centers and Fintech enablers, creating the banking as a service (BaaS) model that leverages the advantages of both banks and Fintech companies and creates value for all participants. Fintech companies provide financial services that used to be exclusively provided by banks, thereby creating service as a bank (SaaB) model. As technology continues to revolutionize existing banking practices, banks and Fintech companies are building platforms and sharing their resources through Application Programming Interfaces (APIs),
hence making the comparison of the two models an interesting research issue. This study first defines BaaS and SaaB and selects six representative cases, three for each model, respectively, for content analysis. This work compared the cases of the same model via technical and business dimensions and compared the two models based on the accessibility of platforms, the attractiveness of the platforms, and the value co-created within the ecosystems.
This work shows several strategies that banks can employ to overcome the challenges posed by their legacy systems. This study finds that banks and Fintech companies are similar in that they both build platforms, open their APIs, form ecosystems, and create value for all participants. However, they play different roles. Businesses in both models act as service delivery centers, but with banking licenses, banks serve as Fintech enablers, supervisors, and digital transformation accelerators. Without banking licenses, banks cannot perform financial services, making it difficult for them to expand to different countries. Fintech companies have higher accessibility, with which they can better attract customers and cooperate with
others. Banks provide tailored financial solutions, so customers can seamlessly adopt similar solutions. On the contrary, Fintech companies are less influenced by multihoming problems.
This study shows that traditional banking practices have been drastically revolutionized. Banks cooperate with Fintech companies to provide customers efficient, safe services, thereby reducing operation costs. This study also points out the crucial issues influencing businesses’ operation, such as homogeneity among different services and regulatory issues.

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