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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? If you’ve never heard of embeddedfinance , don’t worry. Why Is EmbeddedFinance Such A Big Deal?
The transaction is subject to obtaining shareholder and court approvals and other customary closing conditions and is expected to close in the first half of 2025. This acquisition complements the embeddedfinance solutions of Fiserv with card program management, a white-label consumer app, and a microservices orchestration layer.
With a series of organisational and strategic upgrades in 2024, Ant International , a leading global digital payment and financial technology provider, reported robust growth over the past year among all its four pillar businesses, Alipay+ , Antom , WorldFirst and EmbeddedFinance.
Weavr ’s recent whitepaper, titled “ Flexible benefits cards: Employee choice, business control ”, highlights the impact that fintech, and embeddedfinance in particular, is having on recent business applications, particularly those utilised by HR teams for employee benefits schemes.
Embeddedfinance and multi-banking give corporates greater control, new revenue streams, and stronger networks, unlocking value beyond traditional banking. Furthermore, they can spread these services across multiple providers to lower transaction costs.
By enabling more tailored solutions, streamlining operations, and addressing vital concerns like fraud and security, embeddedfinance is becoming a crucial driver of innovation. AI, tokenization, and vertical integration are just the beginning of whats possible in embeddedfinance.
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.
In March, fintech FitBank launched a new platform to allow companies of all sizes to control their finances directly from their management systems. What are some embeddedfinance trends were seeing in Brazil, and how do they differ from Mexico and Guatemala? Embeddedfinance is rapidly expanding in Brazil.
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.
A new phase where these two forces blend more deeply into the financial system, not just serving finance, but reshaping it entirely. It is becoming infrastructure, embedded, intelligent, and indispensable to the digital economy. These ecosystems focus on the entire customer journey rather than a specific transaction or process.
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. trillion in transactions, CNBC reports. In Southeast Asia, digital payment transactions are projected to exceed US$1 trillion by 2025.
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 is transforming industries by incorporating financial services directly into non-financial platforms. This integration allows businesses to offer banking-like services, enhancing customer experience and simplifying transactions. What is EmbeddedFinance? Fintech innovations drive this trend.
A new report by Twimbit, a Singapore-based research and advisory firm, highlights the state of open finance in Southeast Asia, exploring the different factors such as regional integration, technological innovation, evolving business models, and API monetization that are fueling the growth of the sector.
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.
As digital wallets reshape finance and big tech challenges traditional banks, who will control the future of money? By 2025, they are projected to handle 39% of global POS transactions, up from 29% in 2021. Digital wallets are on an unstoppable trajectory. What are digital wallets?
Financial products have become an integral part of strategy for retail brands, and for good reason: embeddedfinance allows brands to go from being behind the counter to connecting more deeply with how consumers spend, store, and save their money.
And it’s all thanks to embeddedfinance and embedded fintech. Embeddedfinance isn’t entirely a new concept. Airline credit cards, payment plans for costly items, and car rental insurance are forms of embeddedfinance that have been around for a while. Everything is done under one platform.
The launch of Atelio by FIS comes at a time when the demand for embeddedfinance is rapidly increasing. According to Bain Capital, the sector is expected to account for 10% of transactions, valued at approximately US$7 trillion, generating over US$50 billion in revenue by 2026.
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.
The company is leveraging AI-driven solutions to enhance its offerings in areas like dining, ride-hailing, entertainment, healthcare, and finance. Ant International, the groups global arm headquartered in Singapore, has reported significant growth across its four main business pillars: Alipay+, Antom, WorldFirst, and EmbeddedFinance.
Table of Contents FAQs About EmbeddedFinance What is embeddedfinance? Now, envision a virtual bank conveniently embedded in it. You can set up a payment plan, buy insurance, or explore other financing options, all without having to exit the software. transaction value.
Vantage Bank has selected digital banking service provider Unit to improve its core digital banking offerings and provide embeddedfinance capabilities. Community banks don’t have the resources to execute rapid, high-quality digital transformations which has seen their share of the U.S.
Tokenisation is now a core enabler of secure, interoperable digital paymentspowering embeddedfinance, asset tokenisation, and evolving identity flows. The growing prevalence of digital wallets, embeddedfinance, and increasingly complex payment ecosystems means tokenisation is no longer a tactical upgrade but a strategic imperative.
Amid the ongoing digital revolution and shifting customer preferences, embeddedfinance is reshaping the financial industry. Andrew Ellis, CEO, NatWest Boxed Embeddedfinance represents a transformative shift in the financial landscape, driven by the digital revolution and changing customer preferences.
In today’s competitive market, embeddedfinance is no longer a passing trend; it’s a fundamental game changer. Corporate-embeddedfinance radically reshapes businesses, offering new revenue opportunities and redefining customer relationships. This isn’t a peripheral add-on; it’s the future of commerce.
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?
To smooth cash flow headwinds, small- to medium-sized businesses ( SMBs ) can benefit from access to financing through digital -only channels. In terms of mechanics, the company connects enterprises and financial institutions (FIs) to help bring embeddedfinancing and other innovations to enterprises. Risk Management.
E-commerce giant DoorDash has teamed up with fintech Fiserv for embeddedfinance services. This solution enables DoorDash to offer its delivery contractors a full range of financial services,” Frank Bisignano, chief executive at Fiserv, said during the company’s Oct. 22 third quarter earnings call.
This includes industry-standard tokenization, which means transactions made through Google Pay use a virtual card number (a token) instead of the actual card number. This token is device-specific and paired with a dynamic security code that changes with each transaction, adding an extra layer of protection against fraud.
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. Anand Nagaraj serves as CEO.
FIS unveiled its embeddedfinance platform, Atelio by FIS, this week. FIS’ latest offering comes at a time when growth in embeddedfinance is expected to soar. The firm values these transactions at $7 trillion, or more than $50 billion in total revenue. FIS made its Finovate debut at FinovateSpring in 2013.
A new phase where these two forces blend more deeply into the financial system, not just serving finance, but reshaping it entirely. It is becoming infrastructure, embedded, intelligent, and indispensable to the digital economy. These ecosystems focus on the entire customer journey rather than a specific transaction or process.
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. It will do so by providing fast access to financing using Magnati’s platform.
Founded in 2015 by Lewison Chen, PhotonPay provides global funds management services to businesses with its innovative core products, including Global Accounts, Card Issuing, Online Payments, Payouts, Foreign Exchange (FX) Management and EmbeddedFinance.
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.
In this Marqeta review , we explore how the company operates, the problems it solves, its role in embeddedfinance , and the challenges ahead. The goal was to allow businesses to program spending rules, manage transactions in real time , and scale globally without friction. The Marqeta Platform: Products and Capabilities 1.
PayDo , a leading Electronic Money Institution (EMI), is on the way to improving digital finance. It will launch an embeddedfinance feature for SEPA, SEPA Instant, FPS and SWIFT transactions. PayDo’s shift to embeddedfinance is a game-changer for businesses and individual clients.
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.
By advancing Open Banking adoption across the financial sector and leveraging national payment infrastructures and existing payment rails, this collaboration enables banks, payment service providers (PSPs), and regulators to streamline compliance, enhance digital transactions, and build scalable financial ecosystems.
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. Atome Financial specialises in consumer financing, ADVANCE.AI billion insurtech Matrixport 1.05 Nium Valuation: $1.4
In practice, this means banks expose certain data (like account balances or transaction history) through open APIs, but only when you, the customer, give consent. Its success paved the way for Open Finance, a broader vision expanding the open-data concept beyond banks to encompass insurance, investments, pensions, and more.
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. Our clients are already transacting in stablecoins like USDC, USDT and RLUSD.
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