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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 embeddingpayment processing, lending, insurance, and investment services directly into their platforms.
VoPay , a leading provider of embeddedpayment solutions, is revolutionizing how engineers and product teams integrate financial technology with the launch of its API GPT Assistant. Key Features of the API GPT Assistant: Instant AI-generated API code tailored to their unique integration needs.
Tokenisation is now a core enabler of secure, interoperable digital paymentspowering embeddedfinance, asset tokenisation, and evolving identity flows. Once a system for masking sensitive data, tokenisation has evolved into a foundational technology for enabling secure, interoperable, and scalable digital payments.
Southeast Asia is on the brink of a rapid expansion in open banking, with financial institutions leveraging open banking to enhance customer experiences, and fintech companies utilizing application programming interfaces (APIs) to revolutionising payments, lending, and more.
Legacy systems are increasingly unreliable, expensive to maintain, and resistant to modern payment innovations. Integration headaches: Open Banking, APIs, and AI-driven automation often require costly, unreliable workarounds. But as the financial landscape evolves, that mindset is in danger of proving very costly.
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.
These included cloud accounting, SME lending dashboards, invoicing tools, and payment portals. These newer platforms blend data, automation, and embeddedfinance in ways that simplify user experience. EmbeddedFinance as a SaaS Fintech Enabler At the heart of SaaS fintech v2.0 lies embeddedfinance.
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.
The payments outlook 2025: Strategic priorities from industry leaders May 2 2025 by Payments Intelligence LinkedIn Email X WhatsApp Whats the article about? The strategic priorities for the payments industry in 2025, as discussed by senior payments leaders who attended a Payments Labs roundtable.
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.
APIs have played a central role in the digital evolution of banking. Initially, APIs were point-to-point connectors to enable simple integrations; with rapid innovations, they have now matured into a foundational layer supporting a wide range of use casesfrom customer onboarding and loan origination to card issuance and fraud detection.
Whether you are a B2B founder building a global marketplace, a CFO steering a SaaS scale-up, or a finance team tasked with managing complex payments, finding the best fintech tools is critical. This guide covers the top 100 fintech tools across key categories including banking APIs, billing, KYC/AML, FX, crypto tools, and open banking.
However, the banks payments arm might be its next big engine of expansion. Its payments unit, processing nearly $10 trillion daily, chipped in $4.7 Morgan Payments I asked Max Neukirchen, global co-head of J.P. Morgan Payments I asked Max Neukirchen, global co-head of J.P. Morgan Payments.
Marqeta is not just another payments company. By offering flexible, developer-friendly infrastructure, Marqeta empowers companies to launch, control, and manage customisable payment cards at scale. Marqeta set out to solve these problems by building a flexible API platform for issuing physical and virtual cards on demand.
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.
Monite , the API-first embedded workflows pioneer, introduces its lightning-fast iFrame solution. The accelerated integration empowers SMB providers like vertical SaaS, neobanks and payment platforms to make agile, data-driven decisions, setting a new standard for speed and efficiency in the industry.
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? What’s next?
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 a statement, the company said that the funds will help FISPAN expand the set of ERP platforms it supports, add actionable insights to its Accounts Payables solution, and launch a new Accounts Receivables automation product. FISPAN began 2025 announcing that partner BMO had launched its embedded banking solution , BMO Sync.
In the rapidly evolving world of digital commerce, payment infrastructure is more critical than ever. While companies like Stripe and Adyen often dominate the conversation, Checkout.com has steadily built one of the most powerful and sophisticated payment platforms globally. Checkout.coms commitment to performance is evident.
These included cloud accounting, SME lending dashboards, invoicing tools, and payment portals. These newer platforms blend data, automation, and embeddedfinance in ways that simplify user experience. EmbeddedFinance as a SaaS Fintech Enabler At the heart of SaaS fintech v2.0 lies embeddedfinance.
From fresh AI applications to the new uses for embeddedfinance, fintech is experiencing a renewed momentum. Embeddedfinance matures Why it matters: Embeddedfinance has been trending upward in fintech over the past few years, and for good reason.
Edenred Payment Solutions has announced the launch of a new virtual card number (VCN) product designed to help make claims payouts faster and easier for policyholders. These cards can be easily added to mobile wallets like Google Pay and Apple Pay, allowing direct payments to service providers or merchants without the usual delays.
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.
The promise of enabling technologies like AI and the persistent competition for human talent make companies in virtually every industry today pursue efficiency as a way not only to keep costs low, but to offer more products and services faster and more seamlessly. For credit unions, this challenge is all the more acute.
This extends beyond products or services to payments, where consumers expect swift, hassle-free processes that align with their fast-paced lifestyles and the convenience of modern technology. How does Discover address evolving consumer demands in payments and how does the product team tackle these challenges?
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.
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. billion payments Coda 2.5 billion payments, gamification Airwallex 5.5 billion insurtech Matrixport 1.05
Digital payments are transforming global financial systems, reshaping how individuals and businesses transact. In the fintech space, digital payments represent a major driver of innovation. The Rise of EmbeddedFinanceEmbeddedfinance is revolutionising the way businesses interact with financial services.
This week’s edition of Finovate Global features the latest fintech news from Germany, where investors are backing innovations in embeddedfinance, payments companies are taking advantage of open banking, and the green shoots of crypto spring are growing ever more apparent.
In an era dominated by digital innovation, the banking sector is evolving rapidly to meet the modern consumer’s demands for seamless and integrated financial services. This entails moving beyond outdated legacy systems to embrace disruptive technologies such as coreless banking platforms, open APIs, Generative AI, and Machine Learning.
In total, investors placed nearly $600 million for firms in the B2B payments, T&E, financial management and other B2B spaces. But it was an embeddedfinance FinTech that took home more than half of the funding announced. Its micro-financing portal targets SMBs that cannot access capital via traditional means.
Neem , a leading embeddedfinance platform in Pakistan, has entered a multifaceted partnership with Mastercard , a global technology company in the payments industry. The partnership marks Mastercard’s first view into the embeddedfinance space in Pakistan.
Software as a service (SaaS) is a significant part of the global software market, making up one-third of it, and is making an impact across various industries, including payments. New fintech companies leverage SaaS for swift product launches without significant initial infrastructure investments or compliance-related delays.
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. The result was an explosion of fintech apps offering budgeting, lending, payments, and investment services that leverage multiple banks’ data.
A global leader in digital payments, Visa and Taulia / SAP partner to make embeddedfinance accessible to businesses worldwide. Visa and Taulia’s partnership will simplify payments across the business ecosystem by enabling virtual payment credentials to work natively across SAP business applications.
Partnerships Klarna , the AI powered global payments network and shopping assistant, has partnered with Blackhawk Network (BHN), a global branded payments provider, to expand Klarnas Gift Card Store in Germany, Italy and The Netherlands.
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.
These trends include ecosystem banking, generative artificial intelligence (GenAI), and embeddedfinance, a new report by PwC India and ASSOCHAM says. For non-financial services businesses, embeddedfinance allows for enhanced customer loyalty, new revenue streams and improved customer experiences. billion by then.
myTU , the fintech pioneering the use of cloud-only infrastructure and AI to transform consumer banking, announced the release of a new APIproduct, “ Payouts API ,” designed to help businesses optimise their financial processes and enhance operational efficiency.
We provide products from payments and collection, FX and payout all the way to embeddedfinance to allow or empower any businesses to operate the whole financial and payments stack on top of our platform. Making payments, it’s very expensive and inefficient. We started the company in 2015.
B2B ’s pain points when it comes to payments are well known — where paper checks dominate, where even the fax machine makes an appearance. Along the way, they said, the B2B payments landscape itself will be transformed, chiefly through digitalization and verticalization. Points Of Pressure. Where We’re Headed.
In this role, Caine will look to unite product, engineering, design and data teams to fast-track innovation, elevate the user experience and further simplify how consumers shop for insurance. These appointments come as EquityZen continues to expand its platform and reach in the private market.
Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embeddedfinance solutions for the world’s innovators, today introduced two new products – UX Toolkit and Portfolio Migrations – to its card program management tools.
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