As Facebook and Apple encroach on finance, top banks are teaming up with younger rivals

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Fintech partnerships give banks the chance to experiment without creating costly in-house projects.

"They can afford to lose a hell of a lot of money to engage a customer," Ed Maslaveckas, CEO of fintech firm Bud, told CNBC in an interview.

Maslaveckas' company taps into a big trend in the industry known as "open banking," where third party companies can access bank customers' account data and initiate payments on their behalf, given they've got the consent to do so. Goldman Sachs is one of Bud's investors.

Even Swift, the international payments network that runs Sibos, is facing challenges in the form of new technologies like, which records data across a distributed network of computers. And — like the banks — Swift has looked to tie-ups with fintech firms as a way to pick up the pace when it comes to innovation.

One of the decades-old group's biggest challengers right now is Ripple, the U.S. blockchain company looking to become the go-to for banks when it comes to cross-border payments. Swift earlier this yearit would partner with Ripple rival R3 to link its technology with the latter's blockchain system. "We don't care about Swift," Marcus Treacher, Ripple's senior vice president of customer success, told CNBC. "The world we're designing and building for, they're not going to cover with the model they have."

 

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