> ## Content Index
> Fetch the complete content index at: https://www.embeddedfinancereview.com/llms.txt
> Use this file to discover other available public pages before exploring further.

# Embedded Finance report on sponsor banks in the US
- URL: https://www.embeddedfinancereview.com/embedded-finance-report-on-sponsor-banks-in-the-us/
- Published: 2024-08-26T08:07:00.000Z
- Updated: 2025-11-15T20:32:46.000Z
- Description: Alloy and FINTRAIL survey reveals US sponsor banks staying in embedded finance despite Synapse bankruptcy and regulatory pressure. Why partnership models are evolving.
- Author: Lars Markull
- Tags: News, Banks, US

Identity solution provider Alloy teamed up with FINTRAIL, a financial crime consultancy, to publish a survey about the current state of mind of US sponsor banks ([Alloy](https://www.alloy.com/embedded-finance-whitepaper?%5Fbhlid=b0161435a794b939c7f4ab9763da564d03d047e4&ref=embeddedfinancereview.com)). Various US banks have become under pressure due to the regulator taking a closer look at their fintech and embedded finance programmes. Nevertheless, banks do not seem to exit the market but rather seek different models and partnerships. The opportunity is too big, and if they do not take it, somebody else likely will. The report indicates the different partnership models available to banks and what they think about the new compliance pressure.

And if you are at it, perhaps also listen to [NPR’s podcast](https://www.npr.org/transcripts/1197961372?%5Fbhlid=8cc2d8f7c22822469ed03cf680fb6bfd4c43ee2b&ref=embeddedfinancereview.com) about the Synpase bankruptcy, which caused a lot (but not all) of the ongoing scrutiny. Personally, I found it a bit too anti-fintech, but it is probably the best way to get up to speed on this topic in \~20 minutes.