What are the advantages of using a BaaS to mediate the relationship with a sponsor bank, and are there additional benefits besides speed to market?

Yeah, oftentimes I think it is speed to market. They’re preconfigured templates. I’d say the BaaS provider will have pulled together a lot of the pieces with building a neobank and made design choices. In some ways buying a suit off the rack maybe is the best analogy there. It’ll fit most people.