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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?
I saw FitBank as the ideal platform combining cutting-edge financial technology with the flexibility to serve the needs of any country. What are some embeddedfinance trends were seeing in Brazil, and how do they differ from Mexico and Guatemala? Embeddedfinance is rapidly expanding in Brazil.
As Asian markets surge, they face the dual challenge of safeguarding digital infrastructure while ensuring financialinclusion and bridging technological gaps between advanced and developing economies. EmbeddedFinance Hailed as the Future of Fintech The embedded payments market is expected to reach a global transaction value of US$2.5
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.
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.
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.
Ant International, the groups global arm headquartered in Singapore, has reported significant growth across its four main business pillars: Alipay+, Antom, WorldFirst, and EmbeddedFinance. Alipay+, Ant Internationals cross-border payment platform, connects over 90 million merchants in 66 markets to 1.6
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.
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.
Paymentology , the global issuer-processor, has joined forces with Diamond Trust Bank , a tier-one East African commercial bank, in a move hoping to help drive financialinclusion in Kenya through the embedding of financial services, and deployment of Cards-as-a-Service (CaaS).
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.
LuLu Financial Holdings , a leading global financial services conglomerate, has partnered with Abhi Middle East Limited to enhance financialinclusion and improve access to timely remittance solutions.
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.
The use of keys and QR codes make the technology accessible to unbanked people and businesses while it adheres to the highest security standards, promoting innovation, financialinclusion and minimising fraud. How is Bre-B building on the success of Pix in LatAm to accelerate financialinclusion?
Initiatives like QRIS (Quick Response Code Indonesian Standard), a national standard for QR code payments launched in 2019, have allowed for standardization, making it easier for businesses and consumers, while collaboration between the government and fintech firms have helped enhance financialinclusion through clear regulations.
These trends include ecosystem banking, generative artificial intelligence (GenAI), and embeddedfinance, a new report by PwC India and ASSOCHAM says. This collaboration allows financial institutions to access to new customer segments, leading to increased customer acquisitions and improved engagements. billion by then.
From digital payments to decentralised finance (DeFi), these companies are solving real-world challenges like financialinclusion and cross-border transactions, while setting new global standards for innovation. Each plays a key role in transforming how Indonesians save, spend, invest, and access financial services.
Neem , a leading embeddedfinance platform in Pakistan, has entered a multifaceted partnership with Mastercard , a global technology company in the payments industry. The strategic multi-year collaboration will enable financial wellness for Pakistan’s underserved communities.
Toqio , the configurable embeddedfinance platform, is transitioning away from being a simple SaaS financial service development portal and is gearing up to becoming a fully customisable embeddedfinance orchestration platform. In 2023 we changed our ideal customer profile (ICP), our focus, and our direction. .
While this represents a significant step forward, should financialinclusivity have moved further ahead by now? Embeddedfinance is key – digital wallets and embedded lending integrated into everyday platforms make financial services instantly accessible to those left out by traditional banking.
This solution also facilitates embeddedfinance and contextual banking, allowing banks to offer financial services through partner ecosystems via a Banking-as-a-Service (BaaS) model. This is particularly relevant for underbanked regions in Southeast Asia and the Middle East, where financialinclusion remains a priority.
On this week’s episode of News & Views, The Fintech Times Podcast team speak about what we should expect to see from embeddedfinance this year, Curve launching a new referral programme to enable consumers to double-dip on cashback and Finotta uncovering the secrets to securing Gen-Z loyalty.
Regions like Africa are seeing digital wallets driving financialinclusion, as seen with M-Pesa, which has connected millions of unbanked individuals to financial services. Digital wallets have done more than digitise the way we pay and rewritten the rules of the financial ecosystem. The result?
Ammar Alsoos , CEO of LikeCard, also added: “Our collaboration with Mastercard brings an AI-driven family banking experience to the region, empowering families with financial literacy tools while enhancing security and convenience.”
Credit and lending models are being redefined, with transaction data and broader financial insights driving dynamic, real-time credit decisionsreshaping how payments and credit intersect in embeddedfinance offerings. quadrillion, highlighting the scale of digital payments and embeddedfinance solutions.
The webinar will explore various topics including top AI trends in finance, real-life examples illustrating AI’s transformative impact on financial institutions, ethical and regulatory challenges associated with AI integration in finance, and more.
We often explore how fintechs are changing the banking and payments landscapes, and sometimes look into how their solutions are supporting financialinclusion and helping people develop healthy financial habits. “Financial education and literacy tools will have the most profound impact on financial well-being by 2025.
3 Programmable Money: Advancing FinancialInclusion or Creating Walled Gardens, Powered by J.P. The discussion will cover key aspects such as the impact on cross-border payments, liquidity funding needs, and the broader implications for financialinclusion and the global movement of money.
Inswitch , a global leader in embeddedfinance technology, and n1co Technologies , a Salvadoran fintech company with a mission to integrate more people into the financial future, announced a new partnership. Inswitch provides n1co with the service of issuing and processing their new VISA debit cards.
Círculo de Crédito , the fastest-growing credit bureau in Mexico, has used unique credit risk scores from FICO to boost financialinclusion in Mexico and help an additional 20 million citizens access credit. Finding a way to score millions without credit history.
EmbeddedFinance In An All-in-One Digital Ecosystem Singapores fintech trends for 2025 are defined by the rise of all-in-one digital ecosystemscommonly referred to as super appsthat seamlessly integrate embeddedfinance at their core.
” This event will focus on key topics such as digital banking solutions and trends in commercial payments, providing valuable insights into how technology is transforming the financial sector. Topics will range from Central Bank Digital Currencies (CBDCs) to financialinclusion and AI-driven banking solutions.
Aro , the UK’s go-to embeddedfinance partner for brands, has today announced a partnership with Equifax Limited to deliver a new credit card and loan solution for Equifax Marketplace.
3 Programmable Money: Advancing FinancialInclusion or Creating Walled Gardens, Powered by J.P. The discussion will cover key aspects such as the impact on cross-border payments, liquidity funding needs, and the broader implications for financialinclusion and the global movement of money.
The commitment to financialinclusion is particularly pronounced in emerging markets and developing economies (EMDEs), where fintech firms are actively extending financial products and services to segments historically neglected by traditional financial institutions.
The Rise of EmbeddedFinanceEmbeddedfinance is revolutionising the way businesses interact with financial services. By integrating payment solutions directly into non-financial platforms, companies can offer seamless user experiences.
Best Consumer-Facing Payments Solution Engage People InPost Pay Pushpay Transact Campus Trustly Best Consumer Lending Solution Axis Bank and Infosys Finacle JP Morgan AWM Jenius Bank Prosper Best Corporate Payments Solution BILL Global PayEx Helcim TransferMate TreasurUp US Bank Best Customer Experience Solution ACE Money Transfer DBS BAnk JP Morgan (..)
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.
They also enable new products, such as microloans, fractional investing, or embeddedfinance. API platforms, open banking protocols, and cloud-native architectures allow anyone to build on top of financial data. Fintech apps attract younger users, underserved populations, and digitally native businesses.
Trading 212 , an FCA-regulated online broker offering trading services, is partnering with Paynetics , the European embeddedfinance provider, to integrate multi-currency accounts and card payments within its trading services. We look forward to working with Trading 212 as it disrupts the stock market.”
David Zhang David Zhang, Insights Manager for Payments and Lending at Euromonitor International, said, “In Asia Pacific, embeddedfinance partnerships between incumbent financial organisations and fintechs, have accelerated the development of digital IDs and remote verifications.
This alliance is based on the shared goal of promoting financialinclusion amongst Spain’s immigrant community. It’s an exciting time for Orenda, with one of its neobank customers, Íkualo, recently making the headlines for its strategic partnership with Visa. Íkualo hopes to reach 70,000 active accounts in the country.
Sameh Elmallah , CEO of Damen, commented: “Damen’s partnership with BKN301 Group underscores our shared vision and commitment to driving innovation and financialinclusion in the MENA region. At BKN301, we are passionate about driving financialinclusion and fostering innovation, especially for the unbanked segments.
These awards highlight companies and individuals whose fintech initiatives have contributed to advancing financial technology, promoting financialinclusion, and improving service delivery. RCBC also launched RCBC Barangayan (village/community) Banking, blending human touch with digital finance to reach underserved communities.
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