Offering opportunities and creating challenges for incumbents and new entrants alike, one trend that is disrupting banking and payments in a big way is embedded finance. Put simply, embedded finance is the incorporation of financial functions into non-financial settings. For example, this could be a Buy Now, Pay Later lending proposition on a shopping platform

It’s not hard to see why consumers have embraced Buy Now Pay Later (BNPL) services with open arms in recent years. According to research from Finder.com, 37% of Brits say they have used a BNPL service in the past with more than half of BNPL users reporting to use these services more since the beginning of COVID.  While BNPL is growing increasingly popular, especially among Millennials,

Building societies were created to help their members overcome one of the biggest financial challenges most of us will face: buying a home. Nearly a third of people in the UK have a mortgage from a building society. Building societies operate differently to lending banks. They are mutual organisations that are owned by their members,

Retailers Aim to Win ‘The Belt’ with Embedded Finance No one has dominated the UFC cage quite like Connor McGregor. The notorious Irish “bad boy” barks as big as he bites, or in this case, punches and kicks as hard as he trash talks his opponents. As a result, McGregor has skyrocketed to fame, become

Embedded insurance is far from a recent creation. For years people have been buying insurance alongside taking out their mobile phone contract or at the point of purchase of white goods in departments stores. But the drive by businesses in many industries to better meet often complex customer needs is helping boost the growth of

Will the rise of the superapp model and more deeply embedded banking usher in new levels of democratized access to financial services and further our quest toward full financial inclusion? The future of finance is embedded When we think about banking today, we see more and more examples of how banking as a function has

The rise of “The Embedders’ When Walmart, the world’s largest company by revenue, announced earlier this year they are planning to launch their own fintech start-up and hired two Goldman Sachs veterans, it became clear this conglomerate is preparing to become a major force in the financial sector. In an industry like retail, where razor thin

Innovative technology has been transforming the banking sector for decades. From humble beginnings in online banking to AI-enabled fraud detection and app-based banking; technology’s role as a driving force for transformation in financial services is unparalleled. Now, embedded finance promises to build on these advances to offer a truly revolutionary shift in the industry across

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