Bank-Fintech Partnerships

Bain & Company on what separates bank-fintech partnerships that scale from those that stall: the strategies, operating models, and case evidence behind successful collaboration.

The report unpacks the mechanics of partnership — how the most effective institutions structure, govern, and scale fintech relationships to drive innovation and growth in an evolving financial landscape.

What’s inside

• Interviews with 36 banks and fintechs on what partnership success actually requires

• Why two in three fintech partnerships fall below expectations, despite an average of 9.4 partners per bank

• The four partnership types — distribution, product, platform and operation — and the three stages of sourcing, implementing and managing

• Which domains banks are partnering in first, led by payments, fraud and risk management, and mobile wallets