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The European Banking Authority (EBA) published a Report on white labelling, i.e. a business model in which a financial institution works with another company (partner)—sometimes not even a financial firm—to offer products and services under the partner’s brand. The EBA found that over a third of banks surveyed in 2025 use this model and has identified a need for ongoing supervisory convergence actions that will be taken forward in 2026.
Driven by digitalisation and platformisation, new ways for people to access financial services are emerging, including via white labelling that is being used by 35% of the banks responding to the EBA 2025 Spring Risk Assessment Questionnaire (RAQ). White labelling is a business model which involves a financial institution (the provider)...
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