Cibc

CIBC is one of Canada's Big Five banks, operating a full-service retail, commercial, and capital markets franchise in Canada and the US (via CIBC Bank USA). Its embedded finance footprint is largely self-operated: it runs its own payment processing subsidiary (INTRIA), issues corporate and personal cards directly, and operates its own cross-border transfer service. CIBC Innovation Banking functions as a specialist tech-lending arm, providing growth financing to fintech and SaaS companies globally — including embedded finance infrastructure companies like Qover. The bank has not publicly disclosed reliance on third-party BaaS, card-issuing, or payroll infrastructure vendors, consistent with its status as a chartered bank operating its own stack.