FinTech Speed
Dr Caesar J's Digital Business Opportunities Management periodicals
Season II, episode vi of Deep Tech matching summary outlines
February 2025
In this Series II, we are matching the Banking as a Service BaaS #deeptech with the supercomputer #deeptech. The Series II outlined plan is to match BaaS with three different Deep-Tech infrastructure, we have already seen one of them: The Edge, it will be followed by the #cloud #deeptech in episode viii, Super Cloud. The advantage with the Supercomputer is that you off-load all your hardware limitations from the CTO’s desk. We will focus on the resulting UX speed, and use cases related to #crowdlending and #marketplace under KashYou[1]. I will start including a focus on crowdlending digital business opportunities use cases starting from this episode onwards.?
1.???????? Autobahns in Germany have no speed limits. This is how the #BaaS Banking as a Service will look like when running on a #supercomputer. There are some digital business opportunities related to the speed from the #UX perspective, specially depending on the underlying BaaS partners. The central BaaS will be the software most benefiting from the speed, this same speed will probably not be replicated downstream to all the Users of the partnering FinTech providers. We will be shifting the UX challenge on the hardware, let’s take some use cases. This deeptech match will have mismatches.
The partners using the BaaS license and solution will seem slower than the main provider built on the #supercomputer, the farther downstream, the slower the UI screens will pop-up. The digital business opportunity is to host the BaaS partners on the same #supercomputer infrastructure. The partners would not like to have a slower service reflected on their UX, especially when competitors continue to use traditional infrastructure.
LLM Chatbot requires capacity, even when the BaaS is not borderless. The advantage with BaaS when deployed on a supercomputer, is that all deeptech functions can be serviced and the digital business opportunities are countless. The focus of the LLM, and or any chatbot service providers, either in a multilingual country context or in a borderless scaling scenario, should be on this #deeptech match for Proof of Concept, deployment and scaling.
Device overheating and other mismatching symptoms will appear when there is a network element that is not designed for supercomputer FinTech speed. The digital business opportunity is in finding ways, designing, producing and delivering the BaaS and Supercomputer components to fulfill the complete experience. The User Experience is on the mobile device End2End, the user does not care about the backend. This mismatching does not mean that the deeptech match is a bad idea.
Business wallet functionalities for BaaS will not be limited by technology, the #supercomputer will be able to store all possible #BaaS features and connections. The BaaS provider will not have to limit its addressable market to a particular niche of partners. Most EU BaaS providers have chosen their camps: business or retail, investments / wealth or payments, and selected IBAN for EU countries. The RegTech partner will not be limited by technology and compliance will be able to manage more simultaneous hits. The digital business opportunity is in creating a Super-BaaS class provider where all EU IBANs can be provided all functions, that the partner Digital Wallet will select from.
?
2.???????? Investors in crowdlending can benefit from the fast processing of the BaaS provider on a selected 4 digital business opportunities. The focus will be on the private investor level, the #peer2peer lending, the profitability and the platform functionalities. Even if there no apparent need for speed, the investor will feel aware that there is no data pending in process, the borrowers’ files and credit assessments are current and any possible change has already been accounted for.
Common and local investors have a light onboarding process, the weakness is in the unsolicited marketing policy approach. The supercomputer is relevant for the #BaaS vertical in that the process of the face matching with the ID upload will be much faster. When digital platforms claim a fast-onboarding process, the customer journey and UX would be better than expected. After onboarding, the choice of the investments and deal closure are also faster.
Peer 2 Peer Loans are a source of financial revenue for retail investors. The BaaS industry has widened the FinTech opportunities scope by facilitating the software and regulatory basic aspects; when combined to the supercomputer hardware, this widening of the opportunities will be maximized. The retail investor will benefit more from the Peer2Peer lending digital business opportunity because the combination of the BaaS and the Supercomputer have created a much bigger investment choice for the retail investors as Users.
Crowd-lending returns or Profitability depends on many factors, why would a supercomputer increase profitability? Given BaaS and a robust infrastructure; the access to cheap financing, management, marketing, profiling, rating, expansion, scaling factors will also impact this success. Now remove the supercomputer from the given. This is what happens when non-technical people take infrastructure for granted. Today, the supercomputer under a BaaS is an opportunity for profitability, up till the day when the supercomputer will not be super anymore.
Crowd-lending Platforms will be able to deliver a better service when installed on a supercomputer, whether the platform is itself the BaaS provider, or if the platform is the customer of the BaaS provider. In the first case the BaaS provider crowdlending platform will be able to deploy all possible relevant services, as a white label or as licensed platform. In the second scenario of partner to BaaS, the same functional offers can be deployed. The digital business opportunity of the crowdlending will be developed further in the coming articles.
?
3.???????? The KashYou use case is ubiquitous and encapsulates the #deeptech match. On one side it runs on state-of-art 5G core network grade servers to run its own #BaaS and for others’. The most apparent result outputs are reflected at levels of the Instant credit rating rendering, the executive dashboard, the marketing strategy fulfillment, and the compliance cover responsibility. When the hardware limitation is removed, the UX result will be reflected on all functions that were previously complicated or consuming the CPU.
Instant rating in addition to all the onboarding dependencies would have better results when installed on a #supercomputer. The BaaS’s Frontend Layer (UI), Backend Layer (Microservices) which includes the User Authentication & Identity Management, the Data Layer and the Security, all deployed on a supercomputer. Instant rating of KashYou merchants comes with FinTech speed. The supercomputer hardware generates its own digital business opportunities.
Dashboard data is more valuable when detailed and accurate. KashYou engineers will have to assemble and compile the rich data content when the dashboard is used for decision making. There will be the dashboard for the BaaS back-office and the one for KashYou that will be hosted on the #supercomputer if sharing the data center, while the KashYou partners might not be sharing the same partitioned hardware and maybe depending on the Cloud or on Edge or O-RAN, therefore will have a different experience. The digital business opportunity is obviously when KashYou benefits from the supercomputer hosting. ?
Marketing success depends most on the technical delivery. When the BaaS technology depends on a Supercomputer, marketing flourishes. The digital business opportunity is in developing ambitious marketing strategies on the premise of technical superiority, among a club of #supercomputer foundation peers. There will not be any deception, compromising, or overpromising. The marketing message will not have to be exaggerated, the product superiority is a marketing fact, when competitors will have to defend their own technical claims.
Compliance for KashYou is strengthened with the supercomputer as infrastructure whether KashYou is the Baas or KashYou is a partner to a BaaS. Compliance has the particularity of being a single point of failure, we cannot have more than one RegTech provider, to avoid the risk if having contradicting outcomes. The BaaS over supercomputer is an opportunity for the KashYou compliance to process the onboarding and the operations faster and even the possibility to add more filters without fear of delaying the processes.
?
4.???????? Crowdlending Borrowers is the 4th use case under the current episode of the deeptech matching exercise. Many factors come into play here. Onboarding individuals is much more simple than for enterprises, this is why the #supercomputer is very supportive for BaaS on this use case. While onboarding, we should resolve KYB, compliance and launch credit rating. If the BaaS is properly equipped by a supercomputer and all screens pop-up within 20 milli-seconds waiting, the credit rating could be called from a recognized national credit bureau and the loan schedule simulation launched on the spot.
SME loans are one of the biggest generators of revenues for the digital business opportunity matching BaaS and SuperComputers. SME loans are a heavy management burden to traditional banks, at the same time the biggest business opportunity for FinTech. FinTech’s alternative financing through SME loans are the fastest ROI on the BaaS and SuperComputer investment matching. The scaling can be achieved by integrating with an efficient cross-border corridor solution.
Business loan crowd-lending as a product does not necessarily require a BaaS and a supercomputer combination. The requirement becomes a necessity for competing and for scaling. The #crowdlending platform when partnering with a BaaS provider will look for: data integrity, security and protection; regulatory compliance on onboarding and on transactions according to the rules, terms and conditions of each of the territories covered; the administrative, accounting and financial management of the lending and recovery processes. When we look at all these, we feel that the supercomputer is not a luxury anymore.
Crowd-lending financing is fueled by investors, first individual private, retail investors, and then institutional. First from in-country national, even from same community, then from farther away. The financing is challenged by the unsolicited onboarding rule (see second paragraph above), therefore a third party allied partner intervention is needed. The digital business opportunity is in this scope. The BaaS and supercomputer matching can assist in the financing by enabling faster simulation techniques and scenarios to convince the investors.
Business loan without a bank can happen under several forms, in our deeptech of BaaS with supercomputer matching case we have selected crowdlending as the digital business opportunity. All studies show that small businesses are not a good match for traditional banking relations, as repeated through this episode. Banks use their own infrastructure, even if banks use supercomputers, they will not become a financial ally to SMEs. A BaaS provider can serve SME’s better than banks, and the supercomputer will be the cherry on the pie.
?
It is obvious that the supercomputer can add value to any deeptech. The interesting part for us is to detect the digital business opportunities that can be derived from its BaaS combination, they are numerous. The KashYou and the crowdlending will now become part of all the coming episodes. The next episode will match the Edge #deeptech with the Internet of Things IOT, under the title of Edge of Things. All puns are intended, all ideas are my own. My articles’ content is not AI generated.
?
Dr. Caesar J.
?
[1] KashYou is a hypothetical marketplace super-App character in my publication.