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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.
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. This shift is redefining traditional banking structures.
To smooth cash flow headwinds, small- to medium-sized businesses ( SMBs ) can benefit from access to financing through digital -only channels. To that end, Banking-as-a-Service (BaaS) company RootAnt , based in Singapore , is aiming to strengthen enterprises and ecosystems through open banking technologies. RiskManagement.
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?
Modern finance teams rely heavily on embeddedfinance, SaaS fintech software, finance APIs, and cloud-based platforms to run everything from payments to compliance to cash management. Banking-as-a-Service & EmbeddedBanking APIs Let’s start the top 100 fintech tools and platforms with embeddedfinance.
The traditional banking setup has seen a complete overhaul with increasing technological advancements. All this has been made possible by embeddedfinance, which allows the integration of financial services into non-financial services. It may seem like a new world, from loans in 59 minutes to digital wallets.
It highlights how innovation, regulation, AI, and riskmanagement are shaping the future of payments and impacting business models. 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.
The event will explore cybersecurity careers within the banking, finance, and fintech sectors, particularly in response to the increasing frequency of cyber attacks. The session will be moderated by Urs Bolt, a Fintech and Banking Expert.
That is including digital wallets, instant bank transfers, and buy-now-pay-later options, particularly tailored for regional preferences. However, Checkout.coms unique positioning enables it to carve out niches where flexibility, global reach, and performance are non-negotiable. Localisation is another key advantage.
From breakthroughs in digital banking to advancements in blockchain technology, we explore the cutting-edge developments that are not only revolutionising the way financial services are delivered in Singapore but also setting benchmarks for the global fintech landscape. billion in 2024 to US$63.18
OKX, a cryptocurrency exchange and global onchain technology company, has teamed up with Standard Chartered, appointing the international cross-border bank as its third-party crypto custodian for its global institutional business. ZA Bank, a digital bank in Hong Kong, has commenced the sandbox trial of its virtual asset trading service.
APIs have played a central role in the digital evolution of banking. Today, financial institutions are shifting towards an API-led banking model that places APIs at the core of their architecture and business strategy. What is API-led Banking? Fundamentally, API-led banking provides a modular foundation for delivering services.
Visa has signed an agreement with Abu Dhabi Islamic Bank (ADIB) to collaborate on an enhanced threat intelligence solution and integrate its advanced cybersecurity capabilities with digital payments. Lockchain.ai , the AI-powered blockchain riskmanagement platform, has closed its Series A funding.
The list, produced by CNBC in collaboration with market research firm Statista, highlights the world’s top 250 fintech companies across eight market categories: payments, wealthtech, business process solutions, neobanking, alternative finance, financial planning, digital assets and banking solutions. billion (US$4.4
” AI and banks John Barber, vice president of Infosys Finacle Europe The primary learning from 2023 is that generative AI is bringing in a paradigm shift in how banks embrace AI, according to J ohn Barber , vice president of Infosys Finacle Europe. Many banks have had noteworthy pilots.
It enables financial institutions, especially those without core banking systems or with systems lacking API integration, to manage bulk transactions. Hakeem’s in-house developed loan management system offers detailed analytics and insights into customer behaviour, ensuring effective loan recovery. ThitsaWorks Pte.
Businesses must also demonstrate governance, riskmanagement , and consumer protection from day one. Open banking mandates, digital asset licensing regimes, and payment services regulations are examples of how governments are trying to balance innovation with stability. It is no longer enough to innovate.
Are digital first banks in Asia poised to lead a disruptive charge against well-entrenched, established commercial banks? In the traditional banking sphere globally, but especially true in Asia, there is a considerable proportion of unbanked and underbanked populations who lack complete or any access to banking services.
This evolution will herald a new era of financial engagement, offering users an enriched array of choices beyond conventional banking paradigms, marking a future of enhanced flexibility, autonomy, and user-centric innovation. These technologies will revolutionize customer service personalization, fraud detection, and riskmanagement.
Industry movers Creditinfo, a global service provider for credit information and riskmanagement solutions, appoints Charles De Winnaar as its global head of sales strategy and sales operations. Redpin , the embedded software solutions and international payments company, has unveiled a new leadership team.
Morgan Payments Partner Network align with your strategy for addressing the evolving needs of corporate clients in the embeddedfinance market? embeddedfinance market is determined to be worth $ 20 billion , with many organizations looking to implement solutions that reduce friction, streamline processes and support origination.
Each section includes an overview of the regulation, the legal and operational risks involved, and the practical actions required to support readiness and ongoing compliance. Non-compliance could lead to regulatory enforcement by national authorities, as well as reputational harm and potential exclusion from EU markets.
Brought about by the rise of smartphones, e-commerce and technology, the convenience of completing everyday banking transactions via your mobile phone or even wearable devices is here to stay. The digital Euro may enhance security and reduce reliance on non-European countries for transactions, improving cross-border payments.
Seeds Capital (Singapore) Founded in 2001 and headquartered in Singapore, Seeds Capital is the investment arm of Enterprise Singapore, a government agency supporting enterprise development and growth.
By integrating Lenvi’s Riskfactor into CODIX’s all-in-one commercial finance solution, iMX, the goal is to enhance effective riskmanagement for over 50,000 iMX users across 50 countries. She also worked at BDO Network Bank (BDONB), a subsidiary of the Philippines’ largest bank.
With digital workflows, embeddedfinance capabilities, and self-service portals, an LMS minimizes operational delays, enhances customer experience, and helps financial institutions launch, iterate, and scale lending products faster. These features help financial institutions meet compliance requirements and pass audits smoothly.
From embeddedfinance to AI-powered riskmanagement, the innovation that will be on display during the event, which takes place May 7 through 9 in San Diego, is a signal of the rapidly evolving needs of both financial institutions and their customers.
Fintech companies and traditional banks are increasingly working together. Historically seen as competitors, fintechs and banks now find common ground to enhance services and reach broader audiences. Why Are Banks and Fintechs Collaborating? Banks and fintechs have different strengths.
This year at FinovateEurope , we held five separate tracks covering AI, payments, lending, customer experience, and banking, risk, and regulation. Panelists stressed the importance of proactive engagement, where banks anticipate customer needs based on behavior, data, and life eventsrather than reacting to requests.
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