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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.
Real-Time FraudDetection: Defence at Machine Speed Traditional fraud systems rely on static rules and after-the-fact analysis. But fraud doesn’t wait, and neither can protection. Real-Time Compliance & AML Monitoring With faster payments come faster risks—and heightened regulatory expectations.
To this end, 65 per cent of merchants plan to invest in artificial intelligence (AI) over the next 12 months, recognising its role in real-time frauddetection and improved payment performance. Respondents also identified PSD3 and APP fraud regulations as one of the upcoming transformational trends in the industry (50 per cent). .
The financial world is moving toward real-time payments, embeddedfinance, open banking, AI, robot process automation (RPA), and global interoperabilitybut outdated technology is slowing banks down, creating higher security risks, compliance challenges, and operational inefficiencies.
65% of merchants plan to invest in artificial intelligence (AI) over the next 12 months, recognising its role in real-time frauddetection and improved payment performance. Lesser-discussed trends include embeddedfinance (13%) and sustainable payments (8%).
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. However, the most immediate benefits have come in compliance. Compliance was seen as a blocker, not a foundation.
With competitive FX rates, multi-currency wallets, and a strong focus on compliance, Airwallex gives us the confidence to bring this product to market at scale. This partnership enables Dext to launch a payment solution which combines automation, security, and control, powered by Airwallex’s single, integrated embeddedfinance platform.
From fresh AI applications to the new uses for embeddedfinance, fintech is experiencing a renewed momentum. Embeddedfinance matures Why it matters: Embeddedfinance has been trending upward in fintech over the past few years, and for good reason.
“We are embedding banking into everyday life by modernising from the inside out. At Emirates NBD, we are building real-time, cloud-native platforms that support embeddedfinance and open banking. It is about reimagining the core of banking – how a bank runs, scales and adapts – not just its interfaces.
Additionally, regulatory scrutiny of payment processors and crypto-facing businesses has increased, requiring Checkout.com to continually invest in compliance and risk management. Checkout.com: Future Outlook Checkout.coms roadmap points toward greater emphasis on embeddedfinance solutions.
1011 Report Share 1 1 Channels /payments /regulation & compliance Comments: (0) Sign in to comment Roberto Garavaglia Independent Advisor Innovative Payments & blockchain Strategic Advisor Member since 19 Nov 2009 Location Milan Followers 1 Following 0 Opinions 5 Follow Unfollow The silent revolution of fees, but what fees?
The Ultimate Guide for Founders, CFOs, and Finance Teams Choosing the right fintech stack can make or break a company’s financial operations. Today, finance leaders are not only responsible for budgeting and compliance, but also for enabling growth through smart, scalable technology choices. Here are the top players: 1.
Financial institutions that delay transformation risk regulatory non-compliance, competitive disadvantage, and operational inefficiencies that compound exponentially over time. The compliance burden extends beyond implementation to documentation and reporting.
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 regulatory compliance, security, and innovation. billion debt marketplace Oxyzo 1 billion lending InCred Finance 1.04
In rapid, seven-minute slots, companies showcased solutions spanning AI-powered cybersecurity, digital banking transformation, embeddedfinance and next-generation authentication. Meanwhile, Arva AI tackled inefficiencies in know your business (KYB) verification, leveraging artificial intelligence to speed up compliance processes.
What began with open banking is rapidly evolving into open finance and open datacreating an interconnected ecosystem where payments, credit, insurance, and wealth management converge in real time. Open finance is no longer a compliance exerciseit is redefining the way financial products are built, distributed, and embedded into daily life.
Initially, APIs were point-to-point connectors to enable simple integrations; with rapid innovations, they have now matured into a foundational layer supporting a wide range of use casesfrom customer onboarding and loan origination to card issuance and frauddetection.
AI and Machine Learning : Used for credit scoring, frauddetection, chatbots, and personalised recommendations. Blockchain : Enables decentralised finance (DeFi) , smart contracts, and secure digital identities. AML and KYC compliance is critical in the fight against money laundering and terrorism financing.
Banking professionals, fintech startups, and tech providers will gather to explore the future of digital finance. Discussions will also address sustainability, regulatory compliance, and ethical considerations in financial technology. Key discussions will cover digital strategies, compliance, cybersecurity, and risk management.
Resistance, he explained, stems not from lack of interest but from genuine regulatory hurdles, particularly data sovereignty concerns and a lack of clarity around compliance frameworks. Now they’re building on that foundation to enhance frauddetection and compliance capabilities.” Yet this is starting to shift.
With competitive FX rates, multi-currency wallets, and a strong focus on compliance, Airwallex gives us the confidence to bring this product to market at scale. This partnership enables Dext to launch a payment solution which combines automation, security, and control, powered by Airwallex’s single, integrated embeddedfinance platform.
As BNPL companies incorporate technologies to meet improved credit assessment objectives they’re also discovering further advantages such as improved frauddetection, flexible, transparent payment options, interest-free payment plans, reduced risk of late payments and so on.
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.
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.
Paynetics , a leading provider of embeddedfinance services, partners tell.money to implement the Confirmation of Payee (CoP) service. Paynetics will benefit from the CoP service provided by tell.money, gaining enhanced security and compliance capabilities that enable them to offer top-notch compliant and precise customer services.
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 has been a game-changer for SMEs who previously struggled to obtain funding from traditional banks. However, fintech companies with embeddedfinance solutions have a responsibility to become regulation savvy even if they aren’t regulated. One area to consider carefully is data privacy.
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 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.
As regulatory expectations continue to evolve, it’s crucial for organizations to stay ahead of the curve and adapt their compliance strategies to mitigate financial crime risks effectively. The session will be moderated by Urs Bolt, a Fintech and Banking Expert.
Yet, as digital financial services scale globally… Regulation and compliance have become just as important as product design and user experience. Understanding regulation and compliance is now a critical success factor for fintech founders, investors, and operational leaders.
EmbeddedFinance Solutions Embeddedfinance is a rapidly growing trend that involves integrating financial services directly into software applications. Software companies can leverage this trend by offering embedded payment processing solutions, allowing their customers to accept payments without leaving their platform.
By leveraging Feedzais AI-native, real-time fraud prevention and merchant monitoring platform, Highnote was able to swiftly bring its acquiring solution to market while meeting stringent regulatory requirements. Merchant Monitoring: Comprehensive oversight ensures compliance, protecting merchants and customers alike.
The integration will bring automated crypto transaction monitoring and secure data storage, as well as ensure regulatory compliance. This will enhance regulatory compliance and secure data storage, as well as provide automated crypto transaction monitoring for Chainalysis’ clients. return on investment (ROI), $3.2+
Banks and financial institutions Eisen Eisen offers account offboarding solutions for financial institutions, streamlining compliance with regulatory outreach, disbursement, and escheatment requirements. QuickFi QuickFi is the first and only embeddedfinance platform in the market for secured commercial equipment lending.
These developments will impact merchant compliance, cost structures, customer experience, and operational risk. Each section includes an overview of the regulation, the legal and operational risks involved, and the practical actions required to support readiness and ongoing compliance. Why is it important? What’s next?
EmbeddedFinance will surge Embeddedfinance industry is projected to rise drastically in 2025, and in the upcoming years, it is estimated that embeddedfinance market will grow from $115.8 Embeddedfinance in India is expected to flourish from $5.8 billion in 2024 to $251.5 billion by 2029.
DigiAsia provides embeddedfinance APIs for SMEs in emerging markets. Founded by Ella Tkach-Dreazen and Ory Segev , KOIOS uses AI to detect online financial threats and manipulation campaigns targeting publicly traded companies.
The Swift Payment Market Practice Group (PMPG) also outlined how global adoption of the LEI in ISO 20022 payment messages can support key cross-border use-cases including: sanctions and watch-list screening; KYC and client onboarding; frauddetection and the fight against vendor scams; e-invoice reconciliation; and account-to-account validation.
These technologies will revolutionize customer service personalization, frauddetection, and risk management. Rise of EmbeddedFinance Photo by Sound On on Pexels.com Embeddedfinance, integrating financial services into non-financial platforms, will be a transformative fintech trend in 2024.
Payments in 2025 will be shaped by AI, instant payments, CBDCs, embeddedfinance, and sustainability. The payments industry in 2024 saw rapid evolution, marked by the growing adoption of real-time payments, advances in AI-driven frauddetection, and significant progress in Central Bank Digital Currencies (CBDCs).
White Labeling and Co-Branding In a white-label model, fintechs provide the technology and expertise, while banks manage regulatory compliance and branding. EmbeddedFinanceEmbeddedfinance integrates financial services into non-financial platforms, enabling customers to access banking solutions seamlessly within other apps.
As payments data evolves from transactional records to strategic intelligence, firms face a critical choice: harness its power for growth or risk drowning in complexity and compliance challenges. Imagine knowing exactly why customers abandon their shopping carts or predicting fraud before it happens.
From embeddedfinance to AI-powered risk management, the innovation that will be on display during the event, which takes place May 7 through 9 in San Diego, is a signal of the rapidly evolving needs of both financial institutions and their customers.
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