A logical move for vertical software companies is to add a financing option. With advances in embedded finance this becomes a relatively simple endeavor.
While BNPL has garnered most of the headlines in recent years, developments in embedded lending may end up having a more lasting impact on point of sale financing
When an emergency expense happens for a homeowner advances in embedded finance makes it easier for both the contractor and the homeowner
Banks are haemorrhaging deposits and fintechs diversifying banking partners - Treasury Prime announces new partnership to help both sectors.
Is embedded finance dead? Ahon Sarkar said your answer depends on where you fit into the ecosystem. Sarkar is the general manager of Q2’s Helix division. Helix works with companies to make personalized banking products.
digital transformationEmbedded Financeenterprise blockchainexchanges / cap mktsmega banksneobankOpen Bankingopen source
·In this analysis, we focus on Goldman Sachs launching an institutional embedded finance offering within Amazon Web Services, and Thought Machine raising a unicorn round for its cloud core banking platform. We explore these developments by focusing on the emerging role of cloud providers as distributors of third party software, think through some of the implications on standalone fintechs and open banking, and check in on AI company Kensho. Last, we highlight the difference between Web3 and Web3 approaches to “cloud”, and suggest a path as to how those can be rationalized in the future.
In this conversation, we chat with Adam Hughes – the Chief Executive Officer at Amount, a technology company focused on accelerating the world’s transition to digital financial services via its digital retail banking platform, world-class digital authentication & fraud prevention tools, and ecommerce point-of-sale financing technology.
More specifically, we touch on digital lending industry Buy Now Pay Later (BNPL), as well as the trends of working with large banks and enabling their digital transformation to access some of these themes as part of embedded finance and banking-as-a-service.
In this analysis, we want to update the discussion of card networks, money movement, and the potential existential threat — or perhaps evolution — to existing infrastructure. It continues the thread on articles like Is Plaid cheap at $5.3 billion for $500 billion Visa? and Marqeta's $300MM of revenue & Ethereum's $20B in ann. transaction fees highlight opportunity and industry structure, and Who are the customers of Embedded Finance, and what do they reveal about Stripe, Affirm, DriveWealth, and Green Dot?, and more generally in this research section. We map Plaid’s progress in building out a payments ecosystem, and highlight Affirm’s debit card product powered in a novel manner through open banking. The analysis visualizes a likely evolution of the space with the introduction of Web3, and highlights a couple of early symptoms.
PayPal just launched what it calls a super app. It has a cash account with a 0.40% interest rate, direct deposit, money movement, bill pay, and remittance features. It also integrates shopping functionality with rewards and cash back. In this analysis, we compare this offering with Google Pay and Square Cash App, as well as trace the DNA of PayPal to understand whether such an offering will succeed where others failed.
In this video conversation we feature a roundtable by The Defiant exploring how and if the gap between Fintech and DeFi will be bridged.
DeFi Panelists
Lex Sokolin, head economist at ConsenSys
Santiago Roel Santos, angel investor
Spencer Noon, Investor at Variant
Vance Spencer, co founder at Framework Ventures
Fintech Panelists
Keith Grose, head of Plaid international
Nik Milanovi?, founder of This Week in Fintech
Simon Taylor, co-founder of 11:FS
Bruno Werneck, Business & Corporate Development at Plaid
Moderator
Camila Russo, Founder of The Defiant