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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?
By enabling more tailored solutions, streamlining operations, and addressing vital concerns like fraud and security, embeddedfinance is becoming a crucial driver of innovation. AI, tokenization, and vertical integration are just the beginning of whats possible in embeddedfinance.
With a series of organisational and strategic upgrades in 2024, Ant International , a leading global digital payment and financial technology provider, reported robust growth over the past year among all its four pillar businesses, Alipay+ , Antom , WorldFirst and EmbeddedFinance.
Ant International, the groups global arm headquartered in Singapore, has reported significant growth across its four main business pillars: Alipay+, Antom, WorldFirst, and EmbeddedFinance. These initiatives have helped millions of first-time borrowers, over 95% of whom lacked prior credit history.
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. Think of embeddedfinance as the invisible engine behind user experience.
This includes Alipay Plus (wallet gateway services), Antom (merchant payments), WorldFirst (cross-border business accounts), and Bettr (embeddedfinance). It aims to align business growth with social value creation, particularly for SMEs and underserved markets. The company serves over 100 million merchants worldwide.
By automating traditionally manual processes, banks can lend to more borrowers, especially small businesses and underserved communities. Stablecoins and decentralised finance (DeFi) platforms will make banking services accessible to the unbanked, offering alternatives that are faster, cheaper, and more reliable than traditional systems.”
Checkout.com: Future Outlook Checkout.coms roadmap points toward greater emphasis on embeddedfinance solutions. Recent Developments and Challenges While Checkout.com has continued expanding geographically and product-wise, it has not been immune to market challenges.
Offbeat Destinations Riding the Digital Wave One of the regions leading this transformation is Northeast India, long known for its raw beauty but historically underserved in terms of travel infrastructure. Embeddedfinance for travel : Insurance, BNPL, or even trip financing via digital platforms could further boost domestic travel.
This collaboration aligns perfectly with our mission to empower underserved merchants globally, driving their success and enabling them to compete with industry giants. The post Epos Now Partners with Lloyds Cardnet appeared first on FF News | Fintech Finance.
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. Think of embeddedfinance as the invisible engine behind user experience.
Fintech apps attract younger users, underserved populations, and digitally native businesses. They also enable new products, such as microloans, fractional investing, or embeddedfinance. They set user expectations and drive interface standards. They introduce competition and pressure banks to modernise.
Liberis , a global embeddedfinance platform, has partnered with Fincompare , the German small business broker marketplace, to bring its revenue-based financing solution to over 25,000 small and medium-sized businesses (SMBs) across the country.
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. reached $1.1
EmbeddedFinanceEmbeddedfinance allows companies outside finance to offer loans, insurance, and payments directly within their platforms. Financial Inclusion Fintech improves access to credit, savings, and insurance in underserved markets. This increases competition and innovation.
Recognised as one of Asia’s fintech unicorns, Airwallex offers various financial services, including cross-border payments, global business accounts, and embeddedfinance solutions. Airwallex Valuation : $5.5 The Fintech Unicorn of South Korea South Korea has one fintech unicorn in Asia to its name: Toss.
For financial services, especially those addressing underserved markets, the stakes are even higher. Were also developing AI agents tailored for the embeddedfinance space, supporting industries like insurance , telecommunications , and retail —each with its own unique challenges and opportunities.
Through the introduction of Earned Wage Access and Send Now, Pay Later in the UAE, we aim to address real-world financial challenges, offering tools that empower individuals to take control of their finances. The post UAE Financial Group Expands Its Operations With ABHI appeared first on FF News | Fintech Finance.
Whether focused on payments, blockchain, regtech, or embeddedfinance, each event offers a unique view into what the industry values and where it is headed. Many conferences now dedicate tracks to fintech for underserved communities or the rise of women founders. It is a strategic decision.
Even financial inclusion 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.
Netbank has partnered with Discovery Credit Solutions Corp (DCSC) to introduce a financial service solution designed to streamline loan management and improve financial access for underserved communities.The solution enables Discovery Credit Solutions to efficiently manage loan disbursements, collections as well as account reconciliation.
With these licences, Pay10 plans to contribute to the UAEs national development agenda by expanding access to financial services for unbanked and underserved populations, promoting economic diversification, and advancing the countrys digital transformation goals.
Representatives from JPMorgan Payments noted that the initiative is particularly aimed at founders who face barriers in accessing investment or business networks, especially those developing solutions for underserved markets.
Subscribe to FinTech Weekly's newsletter Read by executives at JP Morgan, Coinbase, Blackrock, Klarna and more The Subtle Complexity of Building Fintech for the Underserved For more than a decade, "small business empowerment" has been a rallying cry in fintech. We're still in the early innings of embeddedfinance.
As McKinsey notes, “SMEs are underserved when growth potential is weighed less than current financial position” (McKinsey & Company, 2024). GENIUS Act Clears the Way for Stablecoin-Powered EmbeddedFinance 23 June Now Hiring All companies Welcome to Finextra. We use cookies to help us to deliver our services.
It focuses on offering access to formal services by underserved people, such as individuals in low-income and rural groups, fragile contexts who may lack easy means to verify their identities, and those who are underserved by existing financial products and services.
The Propel Finance funding round reflects growing investor confidence in SME-focused lending platforms. Propel has also invested more than £10m in its proprietary digital platform including developing a new B2B embeddedfinance offering, bringing point-of-sale digital financing solutions to SMEs investing in new technology equipment.
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.
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.
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.
aIn parallel, the demand for embeddedfinance from small-and-medium-sized businesses (SMBs) — a sector typically underserved by traditional financial institutions — has broadened well beyond payments.1 Adyen and BCG’s report provides a strategic playbook for SaaS platforms looking to succeed in the embeddedfinance space.
Funding Societies , the unified SME digital finance platform in Southeast Asia, has entered a strategic partnership with Singapore E-Business (SGeBIZ), a digital procurement, payment and sourcing platform provider, to bring B2B embeddedfinance solutions to businesses in Singapore.
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 financial inclusion remains a priority.
He stressed that low-income and underserved communities are facing severe challenges the most, such as rising prices, social unrest, and climate change impacts. In fact, poverty levels in many developing countries remain above pre-pandemic levels.
Jamie Loden, chief operating officer at DTB Jamie Loden , chief operating officer at DTB, also commented: “We are excited to collaborate with Paymentology, a leading and renowned processor in the market, to introduce our joint embeddedfinance proposition.
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.
In these models, banks lend funds to intermediaries like fintech companies or non-banking financial companies (NBFCs), which then provide loans to underserved sectors such as agriculture, small businesses and affordable housing. One prominent use case is in onward lending models. This ensure liquidity and supports transaction growth.
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. Similarly, DBS PayLah!
5 EmbeddedFinance – The Revolution taking over Asia Pacific Rob Schimek, Group Chief Executive Officer of bolttech, will participate in a panel to discuss the ongoing EmbeddedFinance Revolution in the Asia Pacific. 10 Navigating Capital Outflows: Are VCs Still Relevant?
Abhi, an embeddedfinance platform specializing in technology-driven solutions, will provide the operational framework for LuLuFin. This will enable customers to access their earned wages before their scheduled payday while also allowing employees to send money internationally instantly with the flexibility to defer payment. .”
The research points out that this diversity in views reflects the sector’s resilience, with many firms identifying opportunities for expansion, especially into underserved markets. In Asia Pacific, the lack of a skilled workforce and poor digital and financial literacy were also factors, however this trend can also be observed globally.
5 EmbeddedFinance – The Revolution taking over Asia Pacific Rob Schimek, Group Chief Executive Officer of bolttech, will participate in a panel to discuss the ongoing EmbeddedFinance Revolution in the Asia Pacific. 10 Navigating Capital Outflows: Are VCs Still Relevant?
Category #2 Corporates – Financial Inclusivity Finalists ANEXT Bank Pte Ltd The ANEXT Programme for Industry Specialists (“APIs”) is ANEXT Bank’s key embeddedfinance initiative designed for digital platforms to easily offer tried and trusted financial services to businesses operating on their platforms.
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