Fintech Insider Podcast by 11:FS

966. Insights: Inside the unbundling and rebundling of financial services

May 29, 2025
Join Martin Della Chiesa, CEO of Skaleet; Christian Rau from Mastercard; and Emilia Bayer from Primer as they unravel the exciting dynamics of unbundling and rebundling in financial services. They explore how technology is reshaping banking, driving modular services that enhance customization. The conversation contrasts outdated banking models with user-centric approaches, emphasizing the importance of strategic partnerships in delivering seamless experiences. Get insights on how the financial landscape might look by 2030!
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INSIGHT

From Unbundling to Super Apps

  • Fintechs have evolved from highly unbundled mobile-first propositions to rebundling services for broader offerings.
  • This rebundling creates 'super apps' that bundle more services than traditional banks ever did.
INSIGHT

Bundled Frontend with Modular Backend

  • Firms can provide a bundled front-end customer experience while using modular, unbundled backend services.
  • This decoupling between customer-facing and backend operations enables best-of-breed combinations.
ADVICE

Banks Need Self-Inflicted Unbundling

  • Banks must deliberately unbundle their services to defend against losing market share to fintech challengers.
  • They can also use unbundling strategically to attack new markets and offer innovative services.
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