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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.
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.
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.
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.
Toward inclusivefinance at scale The next chapter for AdviceRobo lies not in building bigger models, but smarter infrastructure —systems that: Are multi-lingual and culturally contextual , Run efficiently even in data-constrained environments, And prioritize inclusion, from UX to underwriting. The ambition?
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.
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.
” 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.
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. Many banks now partner with fintech firms to improve onboarding, underwriting, KYC, or user engagement.
They use alternative credit scoring methods and automated underwriting. Wealthtech Wealthtech includes robo-advisors, stock trading apps, pension tools, and financial planning software. Customers gain more control over their financial data and more choice in services. This increases competition and innovation.
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.
The incoming cohort consists of startups that have shown “dedication to democratizing financial tools and providing cutting-edge services for SMEs,” Mastercard noted in a statement. Parlay’s embedded fintech software helps lenders achieve a 64% increase in approved loans and an 87% reduction in manual underwriting workload.
Even financialinclusion got a boost – lenders began using alternative data via open banking to underwrite those with thin credit files, and mobile apps brought services to those who were previously underserved. Crucially, Open Banking was just the opening act.
It aims to streamline verification, enhance accuracy, and promote financialinclusion. Co-lending Co-lending combines multiple lenders’ resources to unlock financing opportunities, enabling larger loans and broader access to capital across sectors like real estate, small businesses, and personal loans.
By joining forces, they can combine their strengths to improve financial services and reach underserved populations. Governments and regulatory bodies aim to increase financialinclusion and make services accessible to all. This opens the door to financialinclusion, benefiting both customers and financial institutions.
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