The evolution of banking marks a radical change toward self-managed financial solutions, from conventional services, to banking as a service, and now decentralized finance. By allowing service providers to provide combined financial services, BaaS has helped to improve operational effectiveness and customer experience. Meanwhile, #DeFi has changed self-banking by providing people the means to freely manage their finances, promoting more financial inclusion and autonomy. These technologies can change personal and commercial financial contacts as they develop, increasing financial services’ availability, openness, and user-centric nature.