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Not because it’s free, but because the payments were seamlessly integrated into the apps you’re using. 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? Why Is EmbeddedFinance Such A Big Deal?
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. The shift toward digitised payments brings heightened concerns about cybersecurity, fraud, and regulatory compliance.
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.
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.
From retail apps offering one-click loans to HR platforms integrating earned wage access, the experience is fast, seamless, and invisible. The partnerships driving embeddedfinance are complex and expanding. A Market Racing Ahead of Its Controls The embeddedfinance industry in the UK is projected to reach $7.76
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. Its like having an expert on hand 24/7, making financial technology more accessible and scalable.
Kotapay , a division of First International Bank & Trust (FIBT), today announced Raisin , the global savings and investment platform, as the first financial technology company to integrate with its new bank-direct banking as a service (BaaS) platform, known as Kavinu.
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.
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.
As the Financial Conduct Authority (FCA) prepares to take over full responsibility for regulating UK payments, new research from Equals Money reveals that combating fraud and tackling widespread delays are top priorities for higher-risk players in the industry. “Money services firms operate in complex, fast-moving environments.
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.
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.
policymakers have sketched out the first federal framework for payment stablecoins. It classifies payment stablecoin issuers as regulated financial institutions, pulling them firmly under anti-money laundering and consumer protection rules. The GENIUS Act changes that virtually overnight. By passing this law, U.S.
one of Europe’s leading financial services providers, reveals digital wallets and Open Banking as pivotal forces set to transform the payments landscape in 2025. The findings reflect an industry-wide shift toward faster, more adaptable payment methods that meet consumer expectations in an increasingly digital economy.
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. Deliver, or fail fast, fix, and move on!
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.
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.
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.
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.
Today, finance leaders are not only responsible for budgeting and compliance, but also for enabling growth through smart, scalable technology choices. Modern finance teams rely heavily on embeddedfinance, SaaS fintech software, financeAPIs, and cloud-based platforms to run everything from payments to compliance to cash management.
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.
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.
In 2025, banking apps will deliver smarter, more secure, and integrated experiences. EmbeddedFinanceIntegration Why Is EmbeddedFinance Booming? Embeddedfinanceintegrates banking services into non-financial platforms, such as e-commerce or ride-sharing apps.
Embeddedpayments are becoming a staple in the B2C world, and more businesses are also jumping on board, aiming to streamline and automate processes from payroll (automated invoicing) to procurement (trade credit). However, B2B transactions in embeddedpayments are more challenging and don’t flow as easily as B2C ones.
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?
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.
EuroPA is an alliance of national digital payment champions – 𝗕𝗮𝗻𝗰𝗼𝗺𝗮𝘁(Italy), 𝗕𝗶𝘇𝘂𝗺 (Spain), 𝗠𝗕 𝗪𝗔𝗬 (Portugal), 𝗕𝗹𝗶𝗸 (Poland), 𝗜𝗥𝗜𝗦 (Greece), and 𝗩𝗶𝗽𝗽𝘀 𝗠𝗼𝗯𝗶𝗹𝗲𝗣𝗮𝘆 (Nordics). Wero enables instant, account-to-account (A2A) payments without relying on traditional card networks.
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.
However, as the industry flourishes, so inevitably do the risks ranging from fraud to late payments. Affirm has introduced dynamic payment schedules in the US, while Riverty in Germany uses AI-driven tools to predict user behavior and optimize repayment plans.
The acquisition brings together two major players in API-based financial innovation, aligning with Fabrick’s broader mission to enable embeddedfinance across the region. Fabrick , Italian company operating in the Open Finance industry, has completed the acquisition from SCHUFA Holding AG. billion by 2029.
In their place stands a more sophisticated and scalable payment conduit: the digital wallet. From biometric-enabled tap-and-go to invisible in-app payments, checkout time is collapsing—and conversion rates are rising. Speed Converts: Digital wallets eliminate physical and cognitive friction.
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.
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
From riverside camps in the Northeast to homestays nestled in the Himalayas, the rise of UPI and other digital payment systems has opened new doors for travelers and small tourism operators alike. Its a story where financial technology is empowering offbeat travel and sustainable tourism like never before.
Cross River Bank (“Cross River”), a technology infrastructure provider that offers embeddedfinance solutions, announced the launch of Request for Payment (RfP), a transformative addition to its growing suite of instant payment capabilities. RfP is a smarter, more flexible way to receive incoming funds.
The chill has been taken out of the industry as investors regain confidence, new startups can launch with less risk, and established players are doubling down on new technologies to meet evolving customer demands. From fresh AI applications to the new uses for embeddedfinance, fintech is experiencing a renewed momentum.
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.
Across two packed days, we delved into discussions ranging from open banking advancements to the potential of embeddedfinance, with an underlying theme of transforming the financial sector in ways that align with the Kingdom’s Vision 2030. Standardising APIs and data-sharing practices was also flagged as crucial for further progress.
From retail apps offering one-click loans to HR platforms integrating earned wage access, the experience is fast, seamless, and invisible. The partnerships driving embeddedfinance are complex and expanding. A Market Racing Ahead of Its Controls The embeddedfinance industry in the UK is projected to reach $7.76
Digital wallets, open banking and instant bank transfers are set to become the main forces transforming the payments landscape in the coming year, according to new research by payabl , the European financial service provider. As Europe’s SEPA Instant payment deadline approaches on 9 January 2025, industry readiness remains uncertain.
Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embeddedfinance solutions for the world’s innovators, today announced that it has become the issuer processor for Spendesk Financial Services (SFS) in Europe, the payment institution powering and fully owned by Spendesk.
Natech Banking Solutions has raised over $33million in Series B funding to support its expansion in embeddedfinance and AI-driven banking solutions. INSHUR, a global insurance provider for the on-demand economy, has partnered with Diesta to automate payment operations and support international growth.
Embedded ERP banking innovator FISPAN secured $30 million in Series B funding. FISPAN most recently demoed its technology at FinovateEurope 2022 in London. In a round led by Canapi Ventures, embedded ERP banking specialist FISPAN has raised $30 million in Series B funding.
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