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Embedded Finance

A group about everything related to embedded finance.

Jamel Derdour

Jamel Derdour CMO at Transact365 / Nucleus365

The Future of Embedded Finance Solutions in the UK

Embedded finance refers to the seamless integration of financial services, such as payments, into non-financial platforms. These services are embedded directly within the customer journey, providing a frictionless and convenient experience. We explore their growing significance. The Growing Significance of Embedded Finance Embedded finance is gain...

/payments /markets

Ben Goodyear

Ben Goodyear CFO at Pipe

A New Opportunity for Payfacs to Monetize Payments and Win Over More SMBs

Payment facilitators (Payfacs) are used by millions of small businesses every day to run their operations. In a competitive market, the difference between Payfacs can be as small as a point or two of difference in fees. To stand out, Payfacs need to find differentiated ways to serve their customers to preserve their fees. The good news? Payment pr...

/payments

Rob Straathof

Rob Straathof CEO at Liberis

Are legacy financial institutions at a loss against fintechs?

The world’s financial companies, including banks and the larger credit and debit card players, have been in a position of market power for a long time. However, the disruption and digitalisation that’s being supercharged by enhanced customer expectations is changing this dynamic, and fintech is now flourishing. It’s clear from the rise of digital...

/retail /wholesale

Ivo Gueorguiev

Ivo Gueorguiev Co-founder at Paynetics

How embedded finance breaks down barriers to banking

Embedded finance is the fusion of technology and traditional financial services. Its innovation promises to transform accessibility to financial tools for all, and now change is needed more than ever. Recent data has underscored the urgency of addressing the widening gap in economic security. Nearly a fifth (18%) of the UK are struggling with pover...

/payments /inclusion

Jean-Jacques Le Bon

Jean-Jacques Le Bon Chief Strategy & Product Officer at Vodeno

Five factors that will drive Banking-as-a-Service adoption in 2024

Banking-as-a-Service (BaaS) is one of the key trends reshaping financial services, and we’ve only just scratched the surface in terms of the impact BaaS can have across multiple sectors. Between 2022 and 2032, experts forecast that the global BaaS market value will grow more than 5x, rising from $4 billion to $22.6 billion. Why? Primarily because ...

/retail /predictions

Alexander Bachmann

Alexander Bachmann CEO at Mitgo Group

Financial Institutions Can Now Profit from over $1.5 Billion of Global Affiliate Spend

Companies offering in-app payments and financial services within their respective platforms are examples of applying embedded finance in non-financial services. As embedded finance alters how businesses, both financial and non-financial, approach finance, companies are already seeing the benefits that come with it. For instance, 88% of them have re...

Cassy Ramsey

Cassy Ramsey Chief Risk Officer at Aion Bank

Regulation and compliance are essential when picking the right BaaS provider

The term Banking-as-a-Service (BaaS) has shot to prominence in recent years, but there is no single definition of a BaaS provider - some providers are strictly IT specialists, others hold licences limited to payment products, and a few offer full end-to-end BaaS with services based on a full banking licence. Today, BaaS has evolved and is availabl...

/regulation

Luke Voiles

Luke Voiles CEO at Pipe

Why It Doesn’t Matter that Banks are Disappearing as the Lenders for SMBs

Access to capital is a cornerstone for the survival and growth of small and medium-sized businesses (SMBs). Traditionally, these businesses relied on strong relationships with community banks and Community Development Financial Institutions (CDFIs). However, as banks consolidate capital and smaller institutions disappear, the financing landscape i...

/inclusion

Rob Straathof

Rob Straathof CEO at Liberis

Pulling back the curtain and unveiling the future of fintech in 2024

The Christmas trees have come down, and the industry is getting its feet back under the table and thinking about what 2024 will bring. I’m very excited about this year because I think the future of finance will be fully unveiled. I’ve been lucky enough to work at the forefront of the fintech revolution; a sector where innovation isn’t just a buzzw...

/retail /inclusion

Manpreet Dhot

Manpreet Dhot Chief Risk Officer at Pipe

Can Embedded Capital Democratize Credit Access with Unbiased Data?

The problem Small and mid-sized businesses (SMBs) play a pivotal role in driving innovation and economic growth. However, despite their significance, a staggering 53% of these businesses find themselves in a challenging predicament – they have "no current access to credit," according to a revealing statistic from PYMNTS Intelligence. Th...

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