Pathward’s transformation from local bank to trusted national bank partner

Published: 25 September 2023

Pathward’s Will Sowell and Phil Ricci spoke with the team at to discuss our purpose, the company’s transformation from a local bank to an industry supplier, and how our role in the Banking as a Service environment is driving financial inclusion.

Sowell, who leads Pathward’s BaaS division, shared that Pathward leverages technology and builds relationships to provide products across the financial ecosystem. He pointed out Pathward’s long history in the BaaS arena and how that expertise is helping the company best service its partners. 

“We’ve formed a strong reputation for delivering scalable, highly compliant solutions,” Sowell told CardRates. “Our goal is always to provide customers with solutions they can trust over the long term.” 

Phil Ricci, who leads Revenue and Strategy Development for Pathward’s BaaS division, shared the advantages of working with Pathward. 

“What makes us unique is our true horizontal product stack. Instead of going to six or seven providers, we’re that one partner where you can tap into everything across the BaaS spectrum without disrupting the customer experience.” 

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About Pathward® 

Pathward®, N.A., a national bank, is a subsidiary of Pathward Financial, Inc. (Nasdaq: CASH). Pathward is a U.S.-based financial empowerment company driven by its purpose to power financial inclusion. Pathward strives to increase financial availability, choice and opportunity across our Banking as a Service and Commercial Finance business lines. The strategic business lines provide end-to-end support to individuals and businesses. Learn more at


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