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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.
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.
In line with this, Magnati , the payments solutions provider in the Middle East has partnered with Wio Bank PJSC , the regional bank providing embeddedfinance solutions through its merchant financing platform. This approach allows businesses to access finance that fits their needs while supporting their long-term growth.
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 risk assessment beyond traditional banking channels. Fraud detection and risk management are also evolving.
These trends include ecosystem banking, generative artificial intelligence (GenAI), and embeddedfinance, a new report by PwC India and ASSOCHAM says. For non-financial services businesses, embeddedfinance allows for enhanced customer loyalty, new revenue streams and improved customer experiences. billion by then.
” 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.
AdviceRobo has pioneered the use of psychometric data, behavioral analytics, and alternative data to assess risk far beyond FICO scores. Were also developing AI agents tailored for the embeddedfinance space, supporting industries like insurance , telecommunications , and retail —each with its own unique challenges and opportunities.
Banks assess creditworthiness using internal models, regulatory guidelines, and risk policies. They also enable new products, such as microloans, fractional investing, or embeddedfinance. Many banks now partner with fintech firms to improve onboarding, underwriting, KYC, or user engagement. It is banks and fintech.
They use alternative credit scoring methods and automated underwriting. 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.
Network International , the enabler of digital commerce in the Middle East and Africa (MEA), is joining forces with Biz2X , the financing fintech in the US, India and Australia, to unlock new sources of capital for its SME merchants.
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 risk assessment and monitoring. The partnership brings together J.P. By combining J.P.
Via the partnership, Alloy customers will be able to access Coris’ solutions to automate SMB onboarding, underwriting, and fraud prevention. Merchant Profiler enables fintechs and software companies to onboard, underwrite, and monitor their SMB customers via GPT-4 powered SMB industry classification.
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. The company replaces traditional B2B payment methods (e.g.
Embeddedfinance is key – digital wallets and embedded lending integrated into everyday platforms make financial services instantly accessible to those left out by traditional banking. They must also use other data, such as rental payment history in the UK, to assess consumers’ suitability for mortgages.
Credit Underwriting Credit Underwriting is the process by which a lender (such as a bank, credit union, or fintech company) assesses the creditworthiness of a borrower before granting them a loan or line of credit. E.g., ride-hailing, travel bookings, etc.
Jumio , a provider of automated, end-to-end identity verification, risk assessment and compliance solutions, names Igor Beckerman as chief financial officer. The company intends to use the funds to consolidate its position as a European embeddedfinance leader and to expand its footprint in the US.
A Loan Management System (LMS) accelerates the go-to-market for lending products by automating loan origination, underwriting, servicing, and compliance checks, reducing turnaround times by up to 50%. It features a two-step gold valuation, packet tracking, and an integrated appraiser module for accurate assessments.
Fintech's Role in the Creator-Led Revolution - Interview with Kyrillos Akritidis Egor Metelkin Wednesday, June 18th 2025 07:06 AM How fintech is powering the rise of creator-led commerce — from instant payouts to embeddedfinance and new global infrastructure. No doubt, traditional underwriting models aren't built for creators.
Whether focused on payments, blockchain, regtech, or embeddedfinance, each event offers a unique view into what the industry values and where it is headed. Investors from angel groups to global VCs attend to scout, assess, and network. Attending or speaking at a fintech conference is no longer just about visibility.
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.
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