This site uses cookies to improve your experience. To help us insure we adhere to various privacy regulations, please select your country/region of residence. If you do not select a country, we will assume you are from the United States. Select your Cookie Settings or view our Privacy Policy and Terms of Use.
Cookie Settings
Cookies and similar technologies are used on this website for proper function of the website, for tracking performance analytics and for marketing purposes. We and some of our third-party providers may use cookie data for various purposes. Please review the cookie settings below and choose your preference.
Used for the proper function of the website
Used for monitoring website traffic and interactions
Cookie Settings
Cookies and similar technologies are used on this website for proper function of the website, for tracking performance analytics and for marketing purposes. We and some of our third-party providers may use cookie data for various purposes. Please review the cookie settings below and choose your preference.
Strictly Necessary: Used for the proper function of the website
Performance/Analytics: Used for monitoring website traffic and interactions
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 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 embedding payment processing, lending, insurance, and investment services directly into their platforms.
Mukesh Valiram “The integration of Atome’s embeddedfinancing technology not only elevates the checkout process but also enables us to connect with new customer segments through flexible financing and payment options. said Mukesh Valiram, Executive Director of Valiram. said Mukesh Valiram, Executive Director of Valiram.
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.
In line with this, Magnati , the payments solutions provider in the Middle East has partnered with Wio Bank PJSC , the regional bank providing embeddedfinance solutions through its merchant financing platform. In doing so it hopes to help firms grow and thrive in a competitive market.
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. For non-financial services businesses, embeddedfinance allows for enhanced customer loyalty, new revenue streams and improved customer experiences. billion by then.
Magnati , a leading payment solution provider in the Middle East, has partnered with Biz2X, a global fintech leader in lending platform technology, to introduce one of the UAE’s largest embeddedfinance platform for SMEs. Our mission is to make financing accessible and efficient for business owners everywhere.
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.
Marqeta (NASDAQ: MQ), the global modern card issuing platform that enables embeddedfinance solutions for the world’s innovators, today announced it is working with Visa and Affirm to offer the Visa Flexible Credential, a single card product that can toggle between payment methods, putting the power of choice in the hands of the consumer.
Toward inclusive finance 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?
” Empowering SMEs with CredibleX Mastercard will also integrate its Small Business Credit Analytics into CredibleXs embeddedfinancing journey, providing CredibleX with enhanced data-driven insights based on anonymised and aggregated transaction data.
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
This article highlights the top 10 Indian fintechs making significant waves across payments, lending, wealth management , and embeddedfinance. It is also expanding into embeddedfinance , offering banking services under the RazorpayX brand. Paytm No list of Indian fintechs would be complete without Paytm.
Gynger , the first embeddedfinancing platform for technology purchases, announces that it has raised $20 million in Series A funding, led by PayPal Ventures, with participation from Gradient Ventures, Velvet Sea Ventures, BAG Ventures and Deciens Capital.
B2C2 , a company specialising in institutional liquidity for digital assets, is adding OpenPayd ’s embeddedfinance capabilities to its global instant settlement network. Appointments UK digital MGA Ripe appoints David Rowntree as its new chief underwriting officer.
” This new phase is characterised by a strategic pivot towards business-to-business (B2B) models, diversified distribution channels, and a heightened focus on underwriting performance. This innovation has gained significant momentum , driven by applications in banking-as-a-service (BaaS) and embedded payments. Insurtech 2.0
” This new phase is characterised by a strategic pivot towards business-to-business (B2B) models, diversified distribution channels, and a heightened focus on underwriting performance. This innovation has gained significant momentum , driven by applications in banking-as-a-service (BaaS) and embedded payments. Insurtech 2.0
Torres has over nine years of SBA experience, including lending and credit underwriting. Funding and investments Synctera , the banking-as-a-service and embeddedfinance company, enjoys a $15million round of funding, bringing the company to a total of $94million raised to date.
They use alternative credit scoring methods and automated underwriting. EmbeddedFinanceEmbeddedfinance allows companies outside finance to offer loans, insurance, and payments directly within their platforms. Their technology reduces friction in both consumer and business transactions.
Payment and accounting platform Autobooks is seeking to change that with the launch of Autobooks Capital , a funding product embedded within the Autobooks platform. The new short-term working capital tool is powered by embedded capital infrastructure provider Fundbox.
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.” “Financial education and literacy tools will have the most profound impact on financial well-being by 2025.
Real-time payments framework Payfinia partners with B2B2C SaaS embeddedfinance solutions provider TAPP Engine. Lending, credit, and underwriting TransUnion Kenya and FICO team up to offer two new risk solutions to help expand access to credit. Transaction management software company Redpin opens new payments corridor to Brazil.
They also enable new products, such as microloans, fractional investing, or embeddedfinance. Many banks now partner with fintech firms to improve onboarding, underwriting, KYC, or user engagement. Fintech apps attract younger users, underserved populations, and digitally native businesses. It is banks and fintech.
ATxEnterprise When: 2 7 May 2025 29 May 2025 Where: Singapore Expo, Singapore A major event for fintech innovation, ATxEnterprise will bring together industry leaders to discuss AI, blockchain, cybersecurity, and embeddedfinance solutions. Attendees will gain insights into how technology is revolutionising the insurance sector.
Network International , the enabler of digital commerce in the Middle East and Africa (MEA), is joining forces with Biz2X , the financing fintech in the US, India and Australia, to unlock new sources of capital for its SME merchants.
The statement underscored specific functions – such as spend management, onboarding, risk monitoring, loan approvals, and embeddedfinance solutions – that innovative fintech startups are helping digitize for small businesses.
Beyond the fact that many institutions are decades — or even centuries — old, with long-lasting customer relationships and brand awareness, traditional financial institutions also hold key data on their business customers that is vital to their underwriting and decision making. EmbeddedFinance Shifts The Competition.
Morgan’s fortress balance sheet and depth of client relationships with Slope’s strengths in underwriting and credit risk monitoring as well as platform flexibility, we are well-positioned to meet our clients’ needs in a rapidly evolving market. Morgan to this partnership, and how does it complement J.P. By combining J.P.
As a comparison, the opposite of embedded payments would be a user experience where a user is redirected to a completely different app or website to conduct a payment. This article explores the concept of embedded payments, their applications, benefits, and their role within the broader context of embeddedfinance.
Embeddedfinance platform Liberis announced a partnership with identity risk management innovator Alloy. Embeddedfinance platform Liberis has teamed up with identity risk management innovator Alloy. Alloy made its Finovate debut at our developers conference, FinDEVrSilicon Valley 2016.
Via the partnership, Alloy customers will be able to access Coris’ solutions to automate SMB onboarding, underwriting, and fraud prevention. Merchant Profiler enables fintechs and software companies to onboard, underwrite, and monitor their SMB customers via GPT-4 powered SMB industry classification.
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.
This includes capital advances, invoice financing, and merchant working capital products tailored to e-commerce sellers. These offerings are still growing but represent an important step toward embeddedfinance. This cross-platform intelligence can support underwriting, reduce fraud, and improve user experience.
The company intends to use the funds to consolidate its position as a European embeddedfinance leader and to expand its footprint in the US. The platform called Origo is focused on speeding up the underwriting process and delivering speedier and stress free mortgages to borrowers using the power of AI.
Embeddedfinance is key – digital wallets and embedded lending integrated into everyday platforms make financial services instantly accessible to those left out by traditional banking. “With over 20 million underserved adults in the UK, it’s time to rethink access barriers.
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. Innovation quickened as data silos fell, and consumers benefited from personalized, convenient tools built on aggregated data.
. “In order to fine-tune a model to generate the insights that will best answer customer inquiries, minimise investment risk, or process documents for loan applications, underwriting, regulatory compliance and more, firms will need to train them on their proprietary, industry-specific data.
Payment monetization is a form of embeddedfinance and a method software providers and independent sales vendors are increasingly turning to in order to sustain scalable growth. Quickly onboard clients with our online application and automated underwriting for same-day account approvals.
Payment monetization is a form of embeddedfinance and a method software providers and independent sales vendors are increasingly turning to in order to sustain scalable growth. Quickly onboard clients with our online application and automated underwriting for same-day account approvals.
Credit Underwriting Credit Underwriting is the process by which a lender (such as a bank, credit union, or fintech company) assesses the creditworthiness of a borrower before granting them a loan or line of credit. Core Banking Solutions (CBS) CBS is a centralized software application that acts as the digital backbone of a bank.
A Loan Management System (LMS) accelerates the go-to-market for lending products by automating loan origination, underwriting, servicing, and compliance checks, reducing turnaround times by up to 50%. Cloud-based deployment allows lenders to scale rapidly, while AI-driven analytics optimize decision-making.
Fintech's Role in the Creator-Led Revolution - Interview with Kyrillos Akritidis Egor Metelkin Wednesday, June 18th 2025 07:06 AM How fintech is powering the rise of creator-led commerce — from instant payouts to embeddedfinance and new global infrastructure. No doubt, traditional underwriting models aren't built for creators.
We organize all of the trending information in your field so you don't have to. Join 5,000+ users and stay up to date on the latest articles your peers are reading.
You know about us, now we want to get to know you!
Let's personalize your content
Let's get even more personalized
We recognize your account from another site in our network, please click 'Send Email' below to continue with verifying your account and setting a password.
Let's personalize your content