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We're with you on the go (Global Image)

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Estamos muy emocionados de anunciar el lanzamiento de nuestra plataforma de banca transaccional basada en la nube junto con una asociación estratégica con [Investec](https://www.investec.com/en_int/welcome-to-investec.html "Investec Homepage"). 

La pandemia ha acelerado considerablemente las transformaciones digitales. Sin embargo, muchas empresas de toda Europa se han quedado atrás en la "transición" a servicios financieros digitales. Esto incluye algunos bancos, pero también a negocios online, e incluso algunas fintechs. Hay un gran deseo entre las empresas tradicionales y no tradicionales de reducir el tiempo de transición de años a meses, o incluso semanas. 

Con esta plataforma, creemos que podemos ayudar a estas empresas a llevar su servicio de banca digital a un nivel totalmente nuevo, a que lleguen al mercado lo antes posible y a que se adelanten a la demanda de los consumidores.

Nuestra nueva plataforma BaaS está basada en la nube, es modular y está totalmente integrada con los principales servicios financieros asociados. Los usuarios de BaaS tendrán acceso a todo lo necesario para prestar servicios, como la tecnología clave de gestión del dinero, el motor de riesgos, o el desarrollo de aplicaciones móviles. Los clientes podrán utilizar la plataforma para crear servicios de gestión online totalmente a medida, de principio a fin, y pudiendo personalizarse de un país a otro. 

Esto hace que nuestra plataforma sea rentable y escalable, a la vez que proporciona a los proveedores de servicios financieros la capacidad de ofrecer de forma rápida a los consumidores una moderna experiencia de gestión financiera digital.

Investec es un banco único que ofrece servicios de inversión y gestión de patrimonio a clientes privados, institucionales y corporativos. Adoptarán nuestra nueva plataforma BaaS para acelerar el desarrollo de su propuesta de banca transaccional en colaboración con nosotros en Monese. 

Tanto Monese como Investec están muy alineados y comprometidos con la apertura de todas las posibilidades de banca digital para los consumidores, especialmente en un mundo post-pandémico. Juntos, pretendemos asegurarnos de que los bancos, las fintechs y los marketplaces puedan satisfacer la acelerada demanda de modernos servicios financieros digitales entre los consumidores.

__Norris Koppel, fundador y CEO de Monese, dijo:__ “Estamos muy ilusionados con el lanzamiento de nuestra plataforma BaaS y encantados de contar con un socio tan distinguido como Investec, el cual aporta una excelente experiencia en la prestación de servicios bancarios de calidad. 

En Monese, hemos construido una plataforma tecnológica de vanguardia, probada e integrada con algunos de los mejores socios del sector. Según nuestra experiencia, los proveedores de servicios bancarios básicos solo cubren una pequeña parte de los productos y servicios necesarios para satisfacer las exigencias de la banca digital moderna, por lo que nuestra oferta de BaaS es completamente integral: es todo lo que necesitarías para lanzar una cuenta corriente desde cero". 

__Lyndon Subroyen, director general del área digital y tecnológica de Investec, dijo:__ “Mantenemos una larga relación con Monese, ya que en los últimos años hemos invertido en ella a través del fondo Outward VC y de otros medios de inversión más pequeños. Esta asociación estratégica nos permitirá aprovechar su alcance, experiencia y capacidades digitales para ofrecer la cuenta corriente digital de Investec en el Reino Unido. Estamos seguros de que en Monese hemos encontrado el mejor socio posible para mejorar la productividad de nuestros clientes".

Nuestra colaboración con Investec es solo una de las muchas en las que estamos orgullosos de haber participado el año pasado, que ha incluido una asociación estratégica europea de varios años con Mastercard y también hemos adoptado la plataforma bancaria nativa en la nube de Thought Machine, Vault.

Nuestra nueva plataforma BaaS complementará nuestra app móvil, la cual permitirá a los clientes de toda Europa [abrir una cuenta](https://monese.com/features/account-opening "Opening an account has never been easier") rápidamente en varios idiomas y divisas. Si te interesa saber más sobre la plataforma, envíanos un email con tus dudas a [platform@monese.com](mailto:platform@monese.com)

Además, anunciamos una nueva colaboración estratégica con Investec



Nuestra plataforma de Banking\-as\-a\-Service está aquí



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Blog > Banking-as-a-Service

Estamos muy emocionados de anunciar el lanzamiento de nuestra plataforma de banca transaccional basada en la nube junto con una asociación estratégica de la mano de Investec. 

Nuestra plataforma de Banking-as-a-Service está aquí   

Part of our mission at Monese is to make financial services as fair, transparent and safe as possible. With that in mind, we want to share how we protect you, your money and your identity.  

## How your money is protected                                                
As you might know, we're authorised by the Financial Conduct Authority (FCA) as an e-money institution. Monese accounts are e-money accounts, and they’re provided by our long-term partner [PrePay Solutions](https://www.pps.edenred.com/ "PPS") (PPS), who is authorised and regulated by the FCA and the National Bank of Belgium (NBB) to issue e-money and provide payment services. As your account is provided by PPS, they’re also responsible for protecting your money.

At Monese, your money is protected through a process known as “safeguarding”.

### What is safeguarding?
Safeguarding means your money is kept separate from any money owned by Monese or PPS and it’s placed into a secure account with an authorised bank, or covered through an insurance policy or similar guarantee. __We never lend your money to anyone and it’s always available to you, on demand__. 

__There’s also no upper limit per customer or account for safeguarding. This means that all the money within your Monese account is protected.__

The safeguarding process makes sure that there’ll always be enough money to repay all customers if an e-money institution goes out of business. In the unlikely case that this happens, the process will be handled by an insolvency practitioner or administrator. It's also worth noting that because the administrator can deduct their costs from this money, you might get slightly less than your full account balance back and it may take longer. 

Banks offer different protection to their customer money. For example, in the UK, this is known as Financial Services Compensation Scheme (FSCS) — a statutory scheme that repays UK customers if a bank goes out of business and can’t repay customers itself. As explained above, your Monese account is protected through the safeguarding process. 

FSCS protection is limited to £85,000 per individual customer per covered firm, but there’s no upper limit per customer or account for safeguarding. This means that all the money within your Monese account is protected.

It’s also worth noting, for our customers in the UK, that in the unlikely case that an e-money institution goes out of business, it might take longer than an FSCS claim — which normally pays out within seven days — to return your money.

Safeguarding also applies to all pots you have with Monese, and similar safeguarding principles apply to money in EUR and RON accounts. Money you have in a savings account with Raisin is protected by the FSCS (or equivalent in Europe) as it’s deposited with authorised banks.

You can read more about how your money is safeguarded in section 2.2 of our [Terms](https://monese.com/terms "Terms & Conditions"). 
Here’s a [page](https://www.fca.org.uk/consumers/using-payment-service-providers "Using payment service providers") on the FCA’s [website](https://www.fca.org.uk/consumers/using-payment-service-providers "Using payment service providers") with more information for our UK customers.
If you’re a UK customer, you can also head to the FCA's website to find out more about the main differences between banks and e-money firms, or for more information on safeguarding requirements, go [here](https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements "Safeguarding requirements for authorised payment institutions and electronic money institutions"). 

Bear in mind, though, there are times when you may not have instant access to your account. On rare occasions, we may need to block your account if it doesn’t meet certain requirements. You can read more about situations like this in our [terms and conditions](https://monese.com/terms "T&Cs") or on our [blog](https://monese.com/blog/blocked-account "Why is my Monese account blocked?").

## Keeping you and your details safe 
Protecting you, your money and your identity is our number one priority, and it sits at the heart of everything we do here at Monese. We’ve developed technologies and processes to protect you against fraud. 

To help us detect unusual activity, we use our own state-of-art systems to stay one step ahead of fraudsters and cybercriminals.  And it’s not just for you — we too don’t want our products to be used for financial crime. You can be confident that your personal information, account and money are safe and secure with us.

We’re also members of the fraud intelligence agency CIFAS, helping us stay in constant communication with other banking services and provide insight into fighting cybercrime.

## What can you do to keep yourself and your money safe?                                                            
There are many things you can do yourself to stay protected and keep your money safe and secure:

- Sign up to Monese with your own phone and set a strong passcode for your app. 
- When you’re out and about, be sure to use Privacy Mode, pay with your phone whenever you can and if you’ve lost your card, lock it in-app. 
- Check your transactions regularly and never share any sensitive or private information on public forums. 
- Using a [virtual card](https://monese.com/blog/create-virtual-card "Create a virtual card") is a good way to stay secure, particularly when you’re shopping online. 

You can read more about how you can keep your Monese account protected [here](https://monese.com/blog/keeping-monese-account-protected "Keeping your Monese account protected").

Online criminals and their schemes are becoming more sophisticated every day. New and complex ways to trick and rob innocent people of their money are constantly being created. Make sure you’re aware of things like [how we at Monese get in touch with you](https://monese.com/blog/make-sure-youre-talking-to-us "How to make sure you’re really talking to us"), how to tell if you’re on a legitimate Monese website or social media page, plus anything else we’d never ask of you. 

For even more advice on keeping yourself secure and how you can best keep an eye out for scams, head to our [blog](https://monese.com/blog-list?cat=security "Latest articles - Security").   

<br/><br/>

We’ll always work to protect you, your details and your money. If you have any questions, don’t hesitate to get in touch on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com).

Everything you need to know about how we protect you, your money and your identity 

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