Enhance your customers' experience with Banking as a Service

With Banking as a Service - or BaaS for short - from Chetwood, you can deliver personalised financial services to your customers in a bespoke and targeted way.

Everything we do at Chetwood is different by design - and that includes our BaaS proposition. We’ll work closely with you to create compelling propositions that meet both your customer needs and your commercial goals, whether that’s as an off-the-shelf solution, or a bespoke product.

When it comes to commercials, we offer everything from commission-based models to a P&L share to ensure that what we deliver works for you as well as your customers. We can also accelerate launch timescales to get you live in as little as three months.

What is BaaS, and how does it work?

Banking-as-a-service is a means of enabling your business - regardless of what industry you’re in - to offer financial products to your customers, without the hassle of actually becoming a bank. Pick what you need to realise your goals from our service menu - whether that’s our full end to end solution, or specific elements such as the banking licence, balance sheet, credit decisioning or just the core banking engine.

Request a call

If there’s something that’s caught your eye or even given you a Eureka moment, we would love to talk to you about the possibilities.

Choose when’s best for you

Pop in your details and your preferred time and date to have a chat, and weʼll get back to you. We look forward to talking through the opportunities for us to work together!

The Chetwood difference

We’re both a digital bank and a fintech. This means you get the leading-edge technology you need through our Yobota brand, and our fully regulated banking licence and balance sheet. The combination provides a true end-to-end Banking as a Service solution you’ll be proud to offer your customers.

Our solution is available as a menu of services that you can pick and choose from.

Our service menu

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The tech that drives it all

Our end-to-end technology takes care of everything from product opening, onboarding customers, making a credit decision, reporting and ongoing customer servicing. All of this is centred around our cloud native core banking engine, which is entirely API driven for fast implementation and easy ongoing management.

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Capital and liquidity management

Getting a banking licence is hard, and requires significant capital to meet the prudential requirements set by the regulator. We can take care of this for you, saving you one more headache and ensuring you get your proposition launched quickly.

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Product & journey design

We’ll carry out extensive primary customer research to test every aspect of your new financial services brand, product features and user journeys to ensure that what you take to market delivers against customer needs as well as being commercially viable.

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World-class credit decisioning and pricing capabilities

We’ve built highly sophisticated systems for credit decisioning and best-in-class product pricing to make sure both you and your customers receive the safest credit risk outcome at the best available price. Using our Modelling-as-a-Service, we can create bespoke scorecards, optimise conversion and performance.

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Servicing

We can provide full ongoing servicing, complaints management, customer contact and collections on your behalf, whitelabelled as your brand. We provide built in automated communications as well as real-time functionality for Customer Services representatives through live chat or on the phone.

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Market distribution

Our network of leading aggregators means you’ll be able to list your product on over 200 distribution partner websites, including ClearScore, MoneySuperMarket and Experian, benefitting from a quicker -and more diverse- route to market than going it alone.

Want more information about our BaaS service?

Who is Banking as a Service for?

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FinTechs, InsurTechs and mid-tier banks
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Retailers and e-commerce
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Membership bases and digital communities
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Supermarkets

Want to talk to us?

If there’s something that’s caught your eye or even given you a Eureka moment, we would love to talk to you about the possibilities!