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Embedded Finance

A group about everything related to embedded finance.

Rob Straathof

Rob Straathof CEO at Liberis

Are legacy financial institutions at a loss against fintechs?

The world’s financial companies, including banks and the larger credit and debit card players, have been in a position of market power for a long time. However, the disruption and digitalisation that’s being supercharged by enhanced customer expectations is changing this dynamic, and fintech is now flourishing. It’s clear from the rise of digital...

/retail /wholesale

Ivo Gueorguiev

Ivo Gueorguiev Co-founder at Paynetics

How embedded finance breaks down barriers to banking

Embedded finance is the fusion of technology and traditional financial services. Its innovation promises to transform accessibility to financial tools for all, and now change is needed more than ever. Recent data has underscored the urgency of addressing the widening gap in economic security. Nearly a fifth (18%) of the UK are struggling with pover...

/payments /inclusion

Jean-Jacques Le Bon

Jean-Jacques Le Bon Chief Strategy & Product Officer at Vodeno

Five factors that will drive Banking-as-a-Service adoption in 2024

Banking-as-a-Service (BaaS) is one of the key trends reshaping financial services, and we’ve only just scratched the surface in terms of the impact BaaS can have across multiple sectors. Between 2022 and 2032, experts forecast that the global BaaS market value will grow more than 5x, rising from $4 billion to $22.6 billion. Why? Primarily because ...

/retail /predictions

Alexander Bachmann

Alexander Bachmann CEO at Mitgo Group

Financial Institutions Can Now Profit from over $1.5 Billion of Global Affiliate Spend

Companies offering in-app payments and financial services within their respective platforms are examples of applying embedded finance in non-financial services. As embedded finance alters how businesses, both financial and non-financial, approach finance, companies are already seeing the benefits that come with it. For instance, 88% of them have re...

Cassy Ramsey

Cassy Ramsey Chief Risk Officer at Aion Bank

Regulation and compliance are essential when picking the right BaaS provider

The term Banking-as-a-Service (BaaS) has shot to prominence in recent years, but there is no single definition of a BaaS provider - some providers are strictly IT specialists, others hold licences limited to payment products, and a few offer full end-to-end BaaS with services based on a full banking licence. Today, BaaS has evolved and is availabl...

/regulation

Luke Voiles

Luke Voiles CEO at Pipe

Why It Doesn’t Matter that Banks are Disappearing as the Lenders for SMBs

Access to capital is a cornerstone for the survival and growth of small and medium-sized businesses (SMBs). Traditionally, these businesses relied on strong relationships with community banks and Community Development Financial Institutions (CDFIs). However, as banks consolidate capital and smaller institutions disappear, the financing landscape i...

/inclusion

Rob Straathof

Rob Straathof CEO at Liberis

Pulling back the curtain and unveiling the future of fintech in 2024

The Christmas trees have come down, and the industry is getting its feet back under the table and thinking about what 2024 will bring. I’m very excited about this year because I think the future of finance will be fully unveiled. I’ve been lucky enough to work at the forefront of the fintech revolution; a sector where innovation isn’t just a buzzw...

/retail /inclusion

Manpreet Dhot

Manpreet Dhot Chief Risk Officer at Pipe

Can Embedded Capital Democratize Credit Access with Unbiased Data?

The problem Small and mid-sized businesses (SMBs) play a pivotal role in driving innovation and economic growth. However, despite their significance, a staggering 53% of these businesses find themselves in a challenging predicament – they have "no current access to credit," according to a revealing statistic from PYMNTS Intelligence. Th...

Carey O'Connor Kolaja

Carey O'Connor Kolaja CEO at Versapay

Rethinking B2B Finance: The Consumerization of Business Transactions

In the complex world of commerce, the distinction between B2B and B2C has long been a cornerstone of understanding buyer behavior and process by which buying decisions are made and executed. However, a flaw in this categorization has recently come to my attention—one that revolves around the way we discuss business finance. Regardless of whether y...

/payments

Rob Straathof

Rob Straathof CEO at Liberis

How embedded finance can boost financial inclusion for the smallest businesses

According to figures from the World Trade Organization (WTO), SMEs make up over 90% of businesses globally as well as 60-70% of employment. That isn’t just the backbone of most economies, it’s nearly the full skeleton! Despite the crucial role they play, many small businesses still struggle to access the funding they need to survive and thrive. Loo...

/retail /inclusion

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