An open network architecture for IPTV has its integration challenges, but prevents vendor lock-in, said Bill DeMuth, CTO of Surewest Communications, in a keynote address at the IPTV 20005 conference -- Surewest has been delivering Triple Play services since July 2002, and IP video since January 2004. The company�s fiber network passes about 70,000 homes and has over 16,000 FTTP subscribers. The active fiber network delivers 100 Mbps Ethernet to each home. Surewest also operates a copper network and has just started to deploy ADSL2+. The IPTV service provides the choice of 260 channels of content, over 75 premium channels, 25 international channels, Pay-per-View and VoD services. �At this point, the market drivers for deploying IPTV are clear,� said DeMuth. These include the desire to retain current customers and reduce churn, acquire new customers, create new revenue streams, and increase the take-rate for all services. Customer demand really exists. For telcos, there is a window of opportunity that is open right now. Surewest competes against SBC and Comcast. DeMuth highlighted several ongoing challenges for IPTV rollouts. For the copper plant, ADSL bandwidth limitations affects the number of set-top boxes deployed per home, and HDTV also presents bandwidth challenges.
The BaaS model has been adopted across a wide range of industries due to its ability to streamline financial processes for non-banks and foster innovation. BaaS has several industry-specific use cases, where it creates new revenue streams. Banking as a Service (BaaS) is rapidly emerging as a growth market, allowing non-bank businesses to integrate banking services into their core products and online platforms. As defined by Juniper Research, BaaS is "the delivery and integration of digital banking services by licensed banks, directly into the products of non-banking businesses, commonly through the use of APIs." BaaS Market Development The core idea is that licensed banks can rent out their regulated financial infrastructure through Application Programming Interfaces (APIs) to third-party Fintechs and other interested companies. This enables those organizations to offer banking capabilities like payment processing, account management, and debit or credit card issuance without