奥纬咨询：2025把握银行牌照机遇：对金融科技企业与银行的影响研究报告（英文版）（37页）.pdf

1、SEIZING THE BANK CHARTER MOMENTImplications for fintechs and banks2Seizing The Bank Charter MomentCONTENTSIntroduction 31.The allure of the bank charter and the 2025 application surge 52.Which fintechs should pursue charters?12FOCUS POINT 1:10 tips for successful charter pursuits 15FOCUS POINT 2:App

2、ly versus buy 20FOCUS POINT 3:Valuation implications of a charter 243.Implications for the future of banking 254.Call to action 31End notes 33Glossary 343Seizing The Bank Charter MomentINTRODUCTION2025 has become the year of the bank charter in the US,with a surge in bank licensing activity from fin

3、techs and non-traditional applicants.Since January,20 filings for de novo charters,bank acquisitions,or conversions have been submitted by these players,representing an all-time high.1 This may only be the leading edge of a broader wave,given expectations of more filings in the pipeline.This present

4、s a seeming paradox:Why would fintechs known for their nimble,innovative go-to-market approach willingly subject themselves to the greater regulatory oversight that comes with a bank charter?THE REASONS ARE THREEFOLD Leading fintechs are reaching new levels of scale and maturity,allowing them to rea

5、p greater strategic and financial benefits from a charter to offset the accompanying investments.New leaders at supervisory agencies in the current administration have shifted regulatory priorities,leading to greater receptivity to bank charters from non-traditional applicants.This creates a timebou

6、nd window to act with urgency.Some fintechs harbor continued concerns over the long-term risks that come with relying on a sponsor bank to access banking and payments rails,and the corresponding lack of control over their own destiny.But the decision to pursue a charter is not one-size-fits-all.It i