# Welcome

The banking landscape in StreamPay has been revolutionized by the introduction of digital banks, which have been steadily eating away at traditional banks’ revenues by focusing on blockchain technology, innovation, and customer experience. The recent developments in AI, Web 3.0, DLT, and blockchain technologies have opened the door to similar disruption from fintech, governments, and bigger technology players.

There is also another huge opportunity for banks to collaborate with corporates that want to offer payment services under Blockchain-As-A-Service (BaaS), a new model which enables non-banks to build banking offerings on top of an established bank’s regulated infrastructure.&#x20;

To avoid being left behind, banks must collaborate with these fintech, technology, and service providers to take advantage of new payment rails and develop innovative web3 payments, AI, and financial technologies, blockchain-based e-commerce, and marketplaces, decentralized applications "dApps", and the financial services that provide added more value to the customer.
