[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-282762-105":53,"doc-detail-282762-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","eba-report-on-white-labelling-2025-10-30-executive-summary","EBA Report on White Labelling - 2025-10-30 - Executive Summary","","EBA examines market developments in the EU financial sector with a focus on “white labelling” as a distribution model for banking and payments services. The report defines white labelling as a provider supplying financial products and services that are offered under a partner’s brand. It analyzes prevalence across 35% of responding banks, the main product clusters, and the seven key features shaping regulatory and operational arrangements. It assesses how benefits and risks differ for customers, providers, and partners, and highlights AML/CFT considerations for stakeholders.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/eba-report-on-white-labelling-2025-10-30-executive-summary/282762/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/eba-report-on-white-labelling-2025-10-30-executive-summary/282762.png","ImageObject",442,249,{"name":88,"@type":89},"Jordan Avery","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-09-20","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":76},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What does “white labelling” mean in this report?","Question",{"text":108,"@type":109},"White labelling describes a situation where a financial institution provides financial products and services that are distributed and offered to customers under a partner’s brand.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"How widespread is white labelling in the EU banking market according to the report?",{"text":113,"@type":109},"The report states that white labelling is employed by 35% of the banks responding to the 2025 Spring RAQ.",{"name":115,"@type":106,"acceptedAnswer":116},"Which factors determine how white labelling arrangements vary?",{"text":117,"@type":109},"Arrangements vary according to seven key features: the regulatory status of provider and partner, task allocation, whether the model is core or ancillary, distributed products/services, target customers, geographic distribution, and the fee model.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},282762,1789581895,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":76,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":125,"read_time":15},1099523882367,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","EBA REPORT ON WHITE LABELLING  \nEBA/REP/2025/30 OCTOBER 2025  \nTable of Contents  \nAbbreviations and glossary ................................................................................................................ 3  \nExecutive Summary ............................................................................................................................ 2  \n1. Introduction and purpose of the analysis .................................................................................. 4  \n2. Methodology and limitations ..................................................................................................... 5  \n3. White labelling landscape in the EU........................................................................................... 6  \n4. Potential opportunities ............................................................................................................ 13  \n5. Potential challenges and risks .................................................................................................. 15  \n6. Conclusion ................................................................................................................................ 23  \nAnnex I: Third party dependencies .................................................................................................. 26  \nAnnex II: Additional AML/CFT considerations associated with white labelling ............................... 28  \nAnnex III: Summary of potential opportunities and risks per type of stakeholder.......................... 31  \nList of figures  \nFigure 1. Types of providers/partners reported by the NCA in the provider's Home Member State 7  \nFigure 2. Visual representation of white labelling as core function (left side) and white labelling as ancillary service (right side) ................................................................................................................ 9  \nFigure 3. Tasks generally performed by, respectively, the provider and the partner ..................... 12  \nFigure 4. Potential risks for consumers as reported by the 23 NCAs responding to the 2024 survey.......................................................................................................................................................... 17  \nFigure 5. Customer identification and verification (KYC/KYB) performed by the provider: steps performed by each entity................................................................................................................. 29  \nFigure 6. Customer identification and verification (KYC/KYB) performed by the partner: steps performed by each entity................................................................................................................. 30  \nList of Tables  \nTable A. Core clusters of financial products and services offered via white labelling..................... 10  \nTable B. Summary of opportunities and risks per type of stakeholder........................................... 31  \nAbbreviations and glossary  \nAML/CFT  \nAMLD  \nAPI  \nBNPL  \nCDD  \nICT  \nGDPR  \nKYC/KYB  \nNCA  \nPSD2  \nSME  \nWhite label partner  \nWhite label provider  \nAnti-money laundering and countering the financing of terrorism Anti-Money Laundering Directive (Directive (EU) 2015/849)  \nApplication programming interface  \nBuy now pay later (as described in Recital 16 of Directive 2023/2225/EU)  \nCustomer due diligence  \nInformation and Communication Technology  \nGeneral Data Protection Regulation (Regulation (EU) 2016/679)  \nKnow your customer/know your business  \nNational competent authority  \nPayment Services Directive (Directive 2015/2366/EU)  \nSmall and medium-sized enterprises  \nAn entity offering financial products and services (provided by the white label provider) to customers under its own brand  \nA financial institution providing financial products and services to customers through a white label partner  \nExecutive Summary  \nThe EBA has a statutory duty to monitor and ass","cbCaiuGX7Ru0GlLD","https://ap.wps.com/l/cbCaiuGX7Ru0GlLD","pdf",1026300,35,"English","# Table of Contents\n## Abbreviations and glossary\n## Executive Summary\n## 1. Introduction and purpose of the analysis\n## 2. Methodology and limitations\n## 3. White labelling landscape in the EU\n## 4. Potential opportunities\n## 5. Potential challenges and risks\n## 6. Conclusion\n## Annex I: Third party dependencies\n## Annex II: Additional AML/CFT considerations associated with white labelling\n## Annex III: Summary of potential opportunities and risks per type of stakeholder","[{\"question\":\"What does “white labelling” mean in this report?\",\"answer\":\"White labelling describes a situation where a financial institution provides financial products and services that are distributed and offered to customers under a partner’s brand.\"},{\"question\":\"How widespread is white labelling in the EU banking market according to the report?\",\"answer\":\"The report states that white labelling is employed by 35% of the banks responding to the 2025 Spring RAQ.\"},{\"question\":\"Which factors determine how white labelling arrangements vary?\",\"answer\":\"Arrangements vary according to seven key features: the regulatory status of provider and partner, task allocation, whether the model is core or ancillary, distributed products/services, target customers, geographic distribution, and the fee model.\"}]","EBA Report on White Labelling - 2025-10-30 - Executive Summary | PDF"]