In the last year, interest in phones that combine cellular and VoIP using WLAN technology has grown at a fevered pitch, according to consumer surveys by In-Stat -- A large percentage, 84.6%, of respondents in a new survey were at least somewhat interested in the prospect of using a VoWLAN/Cellular phone, and exactly half of these respondents were very interested or extremely interested in the prospects of such a phone. The survey uncovered the following key points: Better in-building coverage and the prospect of being able to make unlimited local calls while at home had the biggest importance. PBX-type features and the need to only carry one phone at work, home, or elsewhere received very positive responses, but nowhere as high as free local calling at home or better in-building coverage. The survey gives some credence to the ability of cellular carriers to potentially further displace wire-line carriers.
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