The financial services business model has changed significantly during the past decade, as have the solutions that consumers leverage to manage their financial lives. Around the world, we are seeing more examples of how banking services have started to merge into non-financial applications. Unbundling is slowly changing the way financial services are delivered and consumed,

Embedded Finance: Why we are at an inflection point A large majority of Americans own smartphones, and nearly two-thirds of those consumers make purchases using their devices. It’s clear that the U.S. consumer market of the future is going to center around embedded digital experiences, with financial functionality incorporated into commercial apps and websites. In