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This April, The Fintech Times is focusing on all things embedded finance, 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 embedded finance has to offer and overcome across the globe. Artificial Intelligence (AI) has dominated discussion across all fintech sub-sectors for at least the last couple of years and continues to do so.
The UK's biggest banks are pushing ahead with the experimentation phase of a Regulated Liability Network, a financial market infrastructure for programmable money operating on a multi-bank shared ledger.
AI continues to take the financial services industry by storm, but as the mega-big banks implement internal AI councils, hire chief data officers and invest heavily in the tech, many institutions are still asking “Where do we start our AI journey?
Retailers know the clock is ticking–legacy SAP Commerce support ends in 2026. Legacy platforms are becoming a liability burdened by complexity, rigidity, and mounting operational costs. But modernization isn’t just about swapping out systems, it’s about preparing for a future shaped by real-time interactions, AI powered buying assistants, and flexible commerce architecture.
In an era where technology and innovation are pivotal to competitive advantage, the financial services industry stands on the cusp of a transformative revolution, primarily driven by the advent and integration of generative AI technologies. For the uninitiated, this advanced form of artificial intelligence has been transformative in generating fresh content, ranging from textual and visual materials to complex data configurations, through analysing existing datasets.
In an era where technology and innovation are pivotal to competitive advantage, the financial services industry stands on the cusp of a transformative revolution, primarily driven by the advent and integration of generative AI technologies. For the uninitiated, this advanced form of artificial intelligence has been transformative in generating fresh content, ranging from textual and visual materials to complex data configurations, through analysing existing datasets.
U.S. and European regulators have joined forces to monitor digital payment concerns, including those related to buy now, pay later financing and big tech market participation.
OCBC has reported a major increase in its Eco-Care Car Loans , with numbers surging over sixfold in 2023 compared to their launch year in 2021. This rise coincides with a growing environmental consciousness among Singaporeans and a governmental push towards electric vehicles (EVs) as part of the Singapore Green Plan 2030. In response to the increasing availability of older used EVs, OCBC has expanded its financing options under the Eco-Care Car Loans scheme.
Moomoo Singapore, an investment platform and wholly owned subsidiary of Futu Holdings, has surpassed one million users, just three years after its launch and initial expansion into Southeast Asia. According to Moomoo , among the various offerings that have garnered attention is the Cash Plus money market fund. It was introduced to cater to the demand for products that combine liquidity with competitive returns and quickly become Moomoo Singapore’s fastest-growing product.
Speaker: Michael Veatch, Senior Director, Implementations & Ella Aguirre, Director of Solution Consulting
Embedding payments can be a transformative step for software companies looking to enhance their platform capabilities, boost customer satisfaction, and drive long-term growth. However, the success of payments hinges on a single thing: implementation. Drawing on real-world insights and experiences, payments implementation experts Michael Veatch and Ella Aguirre will explore actionable strategies that can lead to a transparent, friction-free launch and mitigate potential challenges like technical
Project Nemo , a new disability inclusion initiative in the fintech industry, has launched with the aim of addressing the underrepresentation of disabled individuals in both the workforce and customer base. More than 20 per cent of the UK population lives with a disability, which translates to an estimated spending power of £274billion annually. Despite this significant demographic, there is also anecdotal evidence suggesting a lack of disability representation in UK fintech employment.
Nium, a real-time cross-border payments platform, has officially become a registered Financial Services Provider in New Zealand. This marks Nium’s first formal entry into New Zealand’s financial market, enhancing its global footprint which now spans over 40 countries. The company’s new status in New Zealand is part of a broader strategy that includes recent license approvals in several countries, including Japan and India.
Building on open banking to enable wider data sharing across financial services products including savings, mortgages and insurance, could unlock an extra £30.5 billion GDP a year for the UK, says a paper from Innovate Finance and KPMG.
Banking software provider Temenos announced the completion of an independent review on 15 April 2024, addressing allegations made by Hindenburg Research in February. The investigation was led by a special committee under Temenos’ Non-Executive Chairman Thibault de Tersant and supported by legal and forensic experts from Schellenberg Wittmer Ltd, Sullivan & Cromwell LLP, and Alvarez & Marsal Switzerland LLC.
Speaker: Benjamin Woll, Tiffany Spizzo, and Jaime Santos Alcón
Enterprise commerce is at an inflection point. Rigid, monolithic platforms slow brands down, but a full replatforming is disruptive and costly. Modular architecture offers a flexible, scalable alternative - allowing enterprise brands to modernize without ripping and replacing their entire stack. Learn how a composable approach helps modernize commerce stacks while maintaining control over critical systems.
Card programs can increase purchase authorization rates without taking on undue fraud-liability risk with 3-D Secure (3DS). Here’s what it is and how card issuers can leverage it.
Global neobank Revolut announced today that its youth-focused financial app designed for individuals aged 6-17, has surpassed two million users worldwide. The <18 app , part of a suite aimed at empowering the next generation with financial literacy, now counts more than 3.5 million users, including guardians. The increase in users, especially notable in Singapore where the number of young users and their guardians has doubled in the past year, comes at a time when financial literacy is incre
Intellect Global Transaction Banking (iGTB), the transaction banking specialist from Intellect Design Arena Limited, has won an extended mandate with National Bank of Kuwait (NBK), a top 10 ranking bank in GCC, to accomplish a full digital transformation by modernising existing channels and providing new digital capabilities in transaction banking.
SC Ventures, the innovation and ventures unit of Standard Chartered , has made a strategic investment in Algbra , a UK-based fintech that focuses on ethical and sharia-compliant finance. The financial details of the investment have not been disclosed. Shoal, which is SC Ventures ‘ sustainable finance platform, will also form a partnership with Algbra as part of the deal.
Large enterprises face unique challenges in optimizing their Business Intelligence (BI) output due to the sheer scale and complexity of their operations. Unlike smaller organizations, where basic BI features and simple dashboards might suffice, enterprises must manage vast amounts of data from diverse sources. What are the top modern BI use cases for enterprise businesses to help you get a leg up on the competition?
Responding to the ever-growing need to move money seamlessly, Mastercard and VoPay today announced a strategic partnership that will offer choice, simplicity and efficiency for near-real-time money movement in Canada and internationally for businesses and consumers. Leveraging Mastercard Move, Mastercard’s newly combined portfolio of domestic and international money transfer solutions, the companies will offer a choice of payment rails and capabilities for reliable, fast and secure fund transfer
Earned wage access provider FlexWage has received leeway from the Vermont Department of Financial Regulation to operate in the state without a lender or money transmitter license.
Fulfillment is no longer just about getting products from point A to point B – it's about crafting seamless, scalable, customer first experiences. Flexible fulfillment strategies are more important than ever for those aiming to stay ahead and build resilience as retail enters a new era in 2025. Learn how to optimize fulfillment processes, tackle complex, multi-vendor orders, and create seamless customer experiences – from white-glove delivery for high-value items to quick-ship solutions for ever
On April 16 and April 17, two new fintech shows are taking place at the Grand Hyatt Dubai. Bringing together experts from across the artificial intelligence (AI) space and web3 ecosystem, VAP group has announced the inaugural editions of the Global AI Show and the Global Blockchain Show. A wide range of themes will be discussed at both conferences.
With the combination of traditional patterns and emerging newer API styles , customers increasingly need to work with and govern a variety of APIs. This is part of a larger movement toward a more expansive view of API management.
Nine Finovate alums raised more than $113 million in Q1 of 2024. The relatively low fundraising results for the first three months of the year do reflect larger trends in fintech funding. But the fact that nearly half of the alums that raised funds in Q1 did not disclose the amounts raised tells us that the quarterly funding haul for Finovate alums was higher than the $113 million we have been able to confirm.
Innovate Finance Global Summit returned to the heart of London, at the historic Guildhall venue, to celebrate its 10th anniversary and bring financial experts and innovators together to drive progress forward in the space. Kicking proceedings off on day one of the conference, Madush Gupta , policy lead for innovation and technology at the City of London Corporation , discussed the evolution of fintech in recent years: “At its core, fintech is about connection and about people – and
Speaker: Brad Pinneke, VP of Business Development at Payrix and Worldpay for Platforms
In this webinar, Brad Pinneke, Vice President of Business Development at Payrix and Worldpay for Platforms, will dive into the 7 must-have criteria for evaluating payments partners, helping you maximize both efficiency and the long-term value of your investment. From assessing technology capabilities to leveraging business development opportunities, this session will give you a clear, actionable strategy to select the right partner for scaling your business.
Embedded finance innovator mmob announced a partnership with U.K.-based fintech Satago. The partnership will make it easier for lenders and corporations to integrate Satago’s cash flow and invoice financing solutions for SMEs. mmob won Best of Show in its Finovate debut at FinovateEurope 2022. Embedded finance specialist mmob has forged a partnership with U.K.
A group representing buy and sell-side firms and market infrastructure providers across Europe has called on the UK, Switzerland and the EU to coordinate plans to shorten the settlement cycle for securities trades.
Lloyds Bank has successfully executed a digital trade transaction using electronic bills of lading (eBLs), simplifying cross-border trade and reducing paperwork for businesses. Bills of lading are pivotal in global trade, serving as receipts for shipped goods. Despite their importance, digital adoption has been slow due to the requirement for physical possession.
Standard Chartered's venture arm has invested in Algbra, an ethical finance-focused and sharia-compliant UK-based fintech. Terms were not disclosed.
2025 is right around the corner, and with it comes a new wave of consumer expectations, competitive pressures, and operational challenges. Success lies in finding the balance between operational flexibility and creating experiences that keep customers coming back. The future of retail belongs to those who can stay ahead of shifting customer preferences and marketing trends. 🔮 In this session, we’ll dive deep into what it takes to keep customers engaged and your operations nimble, no matt
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