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Embeddedfinance is rapidly changing the way consumers and businesses alike interact with financial services. As traditional banking processes are replaced by more integrated financial solutions, companies across industries are embedding payment processing, lending, insurance, and investment services directly into their platforms.
The shift toward digitised payments brings heightened concerns about cybersecurity, fraud, and regulatorycompliance. EmbeddedFinance Hailed as the Future of Fintech The embedded payments market is expected to reach a global transaction value of US$2.5 However, the rapid progress comes with challenges.
Other methods that merchants anticipate will become more popular include QR code payments (33%), BNPL options (25%), cryptocurrencies (21%) and CBDCs (11%). Other notable trends that are making an impact include open banking (35%), BNPL (27%), and cross-border payments (25%).
What are some embeddedfinance trends were seeing in Brazil, and how do they differ from Mexico and Guatemala? Embeddedfinance is rapidly expanding in Brazil. However, each country presents unique characteristics, especially when it comes to regulatory maturity, technological infrastructure, and financial inclusion.
Fifty-nine per cent of respondents noted that consumer demand for convenience is the top driver of innovation, followed by advances in technology (52 per cent) and regulatory changes (49 per cent). Lesser-discussed trends include embeddedfinance (13 per cent) and sustainable payments (eight per cent).
In this Marqeta review , we explore how the company operates, the problems it solves, its role in embeddedfinance , and the challenges ahead. This mission continues to expand, as embeddedfinance reshapes expectations around how companies integrate financial services into daily operations.
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.
Recognised as one of Asia’s fintech unicorns, Airwallex offers various financial services, including cross-border payments, global business accounts, and embeddedfinance solutions. HashKey focuses on regulatorycompliance, security, and innovation. Airwallex Valuation : $5.5 million in funding from MUFG.
The Rise of EmbeddedFinanceEmbeddedfinance is revolutionising the way businesses interact with financial services. Retailers, for instance, are embedding buy-now-pay-later ( BNPL ) solutions into their checkout processes. For businesses, embeddedfinance reduces the need for third-party intermediaries.
In her new role, Rehana’s mission is to strengthen EPS’s offerings, develop strategic partnerships, and reinforce the company’s position in the embeddedfinance market across the UK and Europe.
BNPL regulation (UK legislation expected late 2025, implementation in 2026) The UK government is progressing legislation to bring Buy Now Pay Later (BNPL) under the scope of regulated consumer credit. These include ensuring that BNPL options are clearly described, not misleading, and supported by regulated providers.
Airwallex (Singapore) Founded in 2015 in Australia, Airwallex is a leading global financial platform for modern businesses, offering solutions to manage everything from payments, treasury, and spend management to embeddedfinance. Atome Financial (Singapore) Founded in 2019, Atome Financial is a digital financial services platform.
By leveraging Loan Management Software , lenders can streamline operations, deliver personalized services, ensure regulatorycompliance, and scale effortlessly to meet the demands of a diverse and growing customer base. This proactive approach minimizes the risk of legal penalties and ensures lenders stay on top of regulatory changes.
Compliance-as-a-Service (CaaS) CaaS is a cloud-based solution that outsources the management of regulatorycompliance for businesses, including implementation, maintenance, and employee training. These loans include term loans, credit cards, BNPL , and auto loans. E.g., ride-hailing, travel bookings, etc.
The Growth of EmbeddedFinanceEmbeddedfinance integrates financial services into non-financial platforms. Examples of embeddedfinance include buy-now-pay-later (BNPL) options at checkout and insurance products offered during travel bookings. Companies such as Klarna offer these services.
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