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Not because it’s free, but because the payments were seamlessly integrated into the apps you’re using. This is embeddedfinance at work, and it’s quietly transforming the way we interact with money – without most of us even realising it. Wait, What’s EmbeddedFinance? Why Is EmbeddedFinance Such A Big Deal?
Payment trends in Asia are changing how businesses and people transact from the digital-first economies of China and Singapore to the quickly changing markets of Indonesia and Vietnam. The shift toward digitised payments brings heightened concerns about cybersecurity, fraud, and regulatory compliance.
A new partnership has been announced between Swedish embeddedfinance provider Intergiro and SEON , the digital fraud prevention and compliance firm, to improve security in the former’s embeddedfinance ecosystem and combat growing cyber threats.
Global fintech platform Jeeves has introduced a new embeddedfinance solution designed to help Brazils corporate travel sector tackle fraud, manage expenses more effectively as well as streamline payment operations.
Tokenisation is now a core enabler of secure, interoperable digital paymentspowering embeddedfinance, asset tokenisation, and evolving identity flows. Once a system for masking sensitive data, tokenisation has evolved into a foundational technology for enabling secure, interoperable, and scalable digital payments.
Legacy systems are increasingly unreliable, expensive to maintain, and resistant to modern payment innovations. Integration headaches: Open Banking, APIs, and AI-driven automation often require costly, unreliable workarounds. But as the financial landscape evolves, that mindset is in danger of proving very costly.
As the Financial Conduct Authority (FCA) prepares to take over full responsibility for regulating UK payments, new research from Equals Money reveals that combating fraud and tackling widespread delays are top priorities for higher-risk players in the industry. “Money services firms operate in complex, fast-moving environments.
Kotapay , a division of First International Bank & Trust (FIBT), today announced Raisin , the global savings and investment platform, as the first financial technology company to integrate with its new bank-direct banking as a service (BaaS) platform, known as Kavinu.
policymakers have sketched out the first federal framework for payment stablecoins. It classifies payment stablecoin issuers as regulated financial institutions, pulling them firmly under anti-money laundering and consumer protection rules. The GENIUS Act changes that virtually overnight. By passing this law, U.S.
However, the banks payments arm might be its next big engine of expansion. Its payments unit, processing nearly $10 trillion daily, chipped in $4.7 Morgan Payments I asked Max Neukirchen, global co-head of J.P. Morgan Payments I asked Max Neukirchen, global co-head of J.P. Morgan Payments.
one of Europe’s leading financial services providers, reveals digital wallets and Open Banking as pivotal forces set to transform the payments landscape in 2025. The findings reflect an industry-wide shift toward faster, more adaptable payment methods that meet consumer expectations in an increasingly digital economy.
These included cloud accounting, SME lending dashboards, invoicing tools, and payment portals. These newer platforms blend data, automation, and embeddedfinance in ways that simplify user experience. EmbeddedFinance as a SaaS Fintech Enabler At the heart of SaaS fintech v2.0 lies embeddedfinance.
APIs have played a central role in the digital evolution of banking. 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 fraud detection.
The payments outlook 2025: Strategic priorities from industry leaders May 2 2025 by Payments Intelligence LinkedIn Email X WhatsApp Whats the article about? The strategic priorities for the payments industry in 2025, as discussed by senior payments leaders who attended a Payments Labs roundtable.
Fintech Galaxy , a regional leader in Open Banking and financial innovation, and ProgressSoft , a global provider of real-time payment solutions, have partnered to fast-track Open Banking adoption and regulatory compliance across MENA.
In the rapidly evolving world of digital commerce, payment infrastructure is more critical than ever. While companies like Stripe and Adyen often dominate the conversation, Checkout.com has steadily built one of the most powerful and sophisticated payment platforms globally. Checkout.coms commitment to performance is evident.
Whether you are a B2B founder building a global marketplace, a CFO steering a SaaS scale-up, or a finance team tasked with managing complex payments, finding the best fintech tools is critical. This guide covers the top 100 fintech tools across key categories including banking APIs, billing, KYC/AML, FX, crypto tools, and open banking.
Marqeta is not just another payments company. By offering flexible, developer-friendly infrastructure, Marqeta empowers companies to launch, control, and manage customisable payment cards at scale. Marqeta set out to solve these problems by building a flexible API platform for issuing physical and virtual cards on demand.
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 embeddingpayment processing, lending, insurance, and investment services directly into their platforms.
In their place stands a more sophisticated and scalable payment conduit: the digital wallet. From biometric-enabled tap-and-go to invisible in-app payments, checkout time is collapsing—and conversion rates are rising. Speed Converts: Digital wallets eliminate physical and cognitive friction.
From open banking to open finance and beyond: The future of financial data-sharing March 18 2025 by Payments Intelligence LinkedIn Email X WhatsApp What is this article about? The evolution of open banking into open finance, examining regional regulatory approaches and adoption trends. Why is it important? What’s next?
Embeddedpayments are becoming a staple in the B2C world, and more businesses are also jumping on board, aiming to streamline and automate processes from payroll (automated invoicing) to procurement (trade credit). However, B2B transactions in embeddedpayments are more challenging and don’t flow as easily as B2C ones.
Cross River Bank (“Cross River”), a technology infrastructure provider that offers embeddedfinance solutions, announced the launch of Request for Payment (RfP), a transformative addition to its growing suite of instant payment capabilities. RfP is a smarter, more flexible way to receive incoming funds.
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.
Digital wallets, open banking and instant bank transfers are set to become the main forces transforming the payments landscape in the coming year, according to new research by payabl , the European financial service provider. As Europe’s SEPA Instant payment deadline approaches on 9 January 2025, industry readiness remains uncertain.
These included cloud accounting, SME lending dashboards, invoicing tools, and payment portals. These newer platforms blend data, automation, and embeddedfinance in ways that simplify user experience. EmbeddedFinance as a SaaS Fintech Enabler At the heart of SaaS fintech v2.0 lies embeddedfinance.
From digital payments to decentralised finance (DeFi), these companies are solving real-world challenges like financial inclusion and cross-border transactions, while setting new global standards for innovation. billion payments Coda 2.5 billion payments, gamification Airwallex 5.5 billion insurtech Matrixport 1.05
In addition, the process of integrating Zūm Rails APIs into Western Union’s network is set to enable the company to drive real-time movement of funds for Western Union customers using Interac eTransfer. Free Headlines in your E-mail Every day we send out a free e-mail with the most important headlines of the last 24 hours.
Home Announcements Payments Dext and Airwallex introduce cross-border payment routing and accounting for SMEs External This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. It expresses the views and opinions of the author.
Open banking mandates, real-time payment requirements, and evolving data privacy regulations require architectures built for adaptability, not just stability. Evolving Customer Expectations Digital-first customers expect instant account opening, real-time payment processing, and personalized financial insights.
Whether youre an entrepreneur, investor, policymaker, or simply curious, this guide offers a clear, structured overview of the fintech sector as it continues to evolve. Fintech, or financial technology, is the integration of technology into financial services. Payments and Transfers This is the most mature segment.
Following this announcement, the collaboration is set to enable IFX Payments to leverage Form3’s Verification of Payee (VoP) solution for SEPA accounts, aiming to strengthen its defences against payment fraud and aligning with the Instant Payments Regulation mandate.
Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embeddedfinance solutions for the world’s innovators, today announced that it has become the issuer processor for Spendesk Financial Services (SFS) in Europe, the payment institution powering and fully owned by Spendesk.
Legacy systems, complex regulatory environments and regional fragmentation continue to slow adoption. In a recent webinar, B2B payments service provider Bottomline brought together regional experts to discuss how banks in APAC can close the gap and compete more effectively.
These appointments come as EquityZen continues to expand its platform and reach in the private market. Product launches Thunes , the cross-border payment infrastructure provider, has launched a new ‘Business Payments’ offering, a new solution designed to transform cross-border payment experiences for its members.
However, as the industry flourishes, so inevitably do the risks ranging from fraud to late payments. Affirm has introduced dynamic payment schedules in the US, while Riverty in Germany uses AI-driven tools to predict user behavior and optimize repayment plans. on an annual basis to reach US$560.1 billion in 2025.
Payments and liquidity solutions company Wannme raises 7M Wannme , a Madrid-based fintech that specializes in payments and liquidity solutions, announced a 7 million strategic financing from IDC Arena Credit Ventures, a division of IDC Network, with Arena Investors also participating in the funding.
Following this announcement, the collaboration is expected to enable businesses across the globe to offer Affirm’s flexible, transparent, and secure pay over time options through the use of a single APIintegration.
Subscribe News | Interviews | Voice of the Industry | Watch & Learn | Reports | Cross Border Ecommerce Research | Company Database | Events News Paynt acquires E-xact to support North American presence Friday 13 June 2025 13:21 CET | News European payment services provider Paynt has acquired Canadian payment gateway E-xact Transactions.
The global digital payment landscape is experiencing a period of explosive growth, with e-retail sales projected to approach $8 trillion by 2025. billion by 2027, with e-commerce businesses alone anticipated to incur an estimated $48 billion in losses to online payment fraud in 2023. billion in 2024.
In addition, the collaboration aims to optimise the manner in which financial institutions across the region of Europe access the spectrum of Open Banking features quickly and securely while enabling integration with an API-first and modular core banking platform.
Subscribe News | Interviews | Voice of the Industry | Watch & Learn | Reports | Cross Border Ecommerce Research | Company Database | Events News Xsolla and Defold introduce SDK for browser game payments Friday 13 June 2025 12:31 CET | News Xsolla has partnered with Defold to introduce a software development kit (SDK) for browser game payments.
Partnerships Klarna , the AI powered global payments network and shopping assistant, has partnered with Blackhawk Network (BHN), a global branded payments provider, to expand Klarnas Gift Card Store in Germany, Italy and The Netherlands. McManus will also remain as co-chair of the Innovate Finance Unicorn Council.
The global digital payment landscape is experiencing a period of explosive growth, with e-retail sales projected to approach $8 trillion by 2025. billion by 2027, with e-commerce businesses alone anticipated to incur an estimated $48 billion in losses to online payment fraud in 2023. billion in 2024.
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