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This April, The Fintech Times is focusing on all things embeddedfinance, the integration of financial services into non-financial products and services. As the space rapidly develops, we look to highlight the latest developments, initiatives and challenges embeddedfinance has to offer and overcome across the globe.
Embeddedfinance is transforming industries by incorporating financial services directly into non-financial platforms. The rapid adoption of embeddedfinance signals a fundamental change in financial services distribution. What is EmbeddedFinance? As embeddedfinance evolves, it goes beyond convenience.
CredibleX is integrating Mastercards Small Business Credit Analytics (SBCA) API into its embeddedfinancing platform to enhance SME credit access in the UAE and EMEA region. Working capital financing platform CredibleX announced this week that it has partnered with Mastercard.
It highlights how innovation, regulation, AI, and riskmanagement are shaping the future of payments and impacting business models. Participants tackled five central themes: underleveraged innovation, the operationalisation of AI, regulatory challenges, the evolution of embeddedfinance, and strategic risk planning for 2025 and beyond.
The chill has been taken out of the industry as investors regain confidence, new startups can launch with less risk, and established players are doubling down on new technologies to meet evolving customer demands. From fresh AI applications to the new uses for embeddedfinance, fintech is experiencing a renewed momentum.
Open finance extends beyond payments, empowering individuals and businesses with holistic financial management tools and personalised services. Open data, in turn, enriches these offerings, enabling innovative credit scoring and riskassessment beyond traditional banking channels.
” Empowering SMEs with CredibleX Mastercard will also integrate its Small Business Credit Analytics into CredibleXs embeddedfinancing journey, providing CredibleX with enhanced data-driven insights based on anonymised and aggregated transaction data.
Register Here AI in Finance: RiskManagement Challenges and Opportunities May 28 2024, 18:00 CEST The financial landscape is undergoing rapid transformation, with AI playing a central role. The webinar aims to delve into the significant influence of AI on the financial sector, particularly in riskmanagement.
Alipay+ GenAI Cockpit has been tested across Ant Internationals key business lines, including its Alipay+ wallet gateway, Antoms merchant payment service, WorldFirsts cross-border accounts, and embeddedfinance offerings. The firm also claimed its fraud loss rate is significantly below the industry average.
UK payments firms are grappling with a critical question: What level of risk is acceptable in a market that demands both innovation and resilience? From embeddedfinance and AI-driven risk tools to stablecoins and alternative payment rails, the pace of change is relentlessbut regulation has struggled to keep up.
In addition to issuer processing, Orenda will benefit from Tribe’s proprietary Risk Monitor platform, which allows for real-time assessment of banking transactions against an array of predefined conditions. It also enables the real-time assessment against global sanctions, PEP and Adverse Media databases.
Big Data Analytics : Helps predict customer behaviour, optimise pricing, and assess creditworthiness in real time. EmbeddedFinanceEmbeddedfinance allows companies outside finance to offer loans, insurance, and payments directly within their platforms. This increases competition and innovation.
Afterpay is using big data and AI to ensure a smooth user experience and improved riskmanagement. PayPal’s BNPL solution, Pay in 4, incorporates sophisticated fraud prevention technology and machine learning models to assess creditworthiness quickly.
Through its proprietary credit-decisioning model, CapBay enables businesses of all sizes to obtain short-term financing, while banks and investors can participate in high-quality financing deals. Atome Financial (Singapore) Founded in 2019, Atome Financial is a digital financial services platform.
That being said, from AI-powered wealth management tools to the new innovations in neobanking, here are 10 key predictions we believe will shape the future of fintech in 2025. Embeddedfinance will play a pivotal role in digital businesses, as the consumer seeks a more seamless and integrated experience. billion in 2024 to $28.6
Finalists in the corporate categories were evaluated based on impact, sustainability, practicality, interoperability, and creativity, while individual submissions were assessed on contributions to the Singapore fintech sector. Four finalists were shortlisted in each category.
These developments will impact merchant compliance, cost structures, customer experience, and operational risk. Merchants should assess exposure, engage with providers, and begin implementation planning ahead of key deadlines. Next steps/action required: Conduct a comprehensive fraud riskassessment across all channels and partners.
“We’re excited to partner with Coris on improving the SMB riskmanagement process for builders of financial products,” Alloy GM of Partner Solutions Brian Bender said. “Having a wide array of data at their disposal is critical for banks and fintechs to manage identity risk across the customer lifecycle.”
This collaboration aims to empower finance firms and fintech companies in identifying fraud trends and meeting compliance requirements. By integrating Lenvi’s Riskfactor into CODIX’s all-in-one commercial finance solution, iMX, the goal is to enhance effective riskmanagement for over 50,000 iMX users across 50 countries.
Seeds Capital (Singapore) Founded in 2001 and headquartered in Singapore, Seeds Capital is the investment arm of Enterprise Singapore, a government agency supporting enterprise development and growth.
This collaboration aims to provide corporate clients with improved short-term financing options and embedded payment solutions at the point of sale. Morgan’s financial strength and Slope’s innovative approach to credit riskassessment and monitoring. The partnership brings together J.P.
With digital workflows, embeddedfinance capabilities, and self-service portals, an LMS minimizes operational delays, enhances customer experience, and helps financial institutions launch, iterate, and scale lending products faster. These features help financial institutions meet compliance requirements and pass audits smoothly.
EmbeddedFinanceEmbeddedfinance integrates financial services into non-financial platforms, enabling customers to access banking solutions seamlessly within other apps. For instance, Klarna, a prominent fintech, offers “Buy Now, Pay Later” solutions embedded directly in e-commerce websites.
As the technology matures and adoption increases, PFaaS is poised to play a central role in shaping the future of digital payments and embeddedfinance. Other benefits of PFaaS platforms include capabilities to handle the regulatory compliance and riskmanagement burden.
While PSD3 aims to simplify the payments ecosystem by merging payments and e-money rules, it also references DORA for operational resilience, GDPR for data protection, and introduces new obligations for third-party riskmanagement and incident reporting. Meanwhile, FiDA will broaden open finance obligations, and eIDAS 2.0
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