The Next Generation of Partner Banking: Regulatory Shifts, Market Growth & the Future of Deposits
Partner banking is entering a new era. Banks are evolving from traditional service providers into agile platforms, integrating fintech capabilities, managing risk more dynamically, and using deposit networks and insured sweep programs to strengthen resilience and build customer trust. At the same time, consumer brands are rapidly embracing embedded finance, accelerating the demand for scalable, tech-enabled bank partnerships.
Against this backdrop, regulatory changes are beginning to open new doors. Proposals such as the Keeping Deposits Local Act (HR3234) would raise reciprocal deposit caps through a tiered framework, giving regional and community banks greater balance sheet flexibility and helping them better support fintech partners. Additional initiatives like the Genius Act and ongoing OCC/FDIC efforts to tailor requirements signal further potential opportunities for banks of all sizes.
But the legislative shift is only part of the story. The digital frontier is reshaping what deposits themselves look like, with tokenized deposits emerging as a potential bank-driven alternative to stablecoins, enabling innovation without siphoning liquidity from the traditional banking system.
We will dive into:
Growth drivers for partner banking and fintech partnerships
How deposit networks underpin new operating models and build trust in bank–fintech relationships
Real-world examples of leading consumer brands embracing embedded finance
HR3234 and other proposals: implications for banks and their partners
Digital disruption: tokenized deposits vs. stablecoins and what it means for balance sheet strategy
Join us as special guest Kevin Bannerton, EVP of R&T Deposit Solutions explores how partner banking is evolving, the regulatory tailwinds shaping the market, and the opportunities and risks that will define the next phase of growth.