Commerce Tomorrow – How Embedded Finance is Disrupting the Modern Economy

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Embedded finance is the streamlined integration of financial services into a conventional non-financial service. It is intended to simplify financial processes for consumers and provide a better user experience by allowing them to access what they need when they need it.

Illustrative Embedded Finance Architecture

Illustrative Embedded Finance Architecture

Key Enablers ·       Open Banking

·       Payment Application Programming Interfaces (APIs)

Key Benefits ·       For Businesses

·       For Consumers

·       For Financial Institutions

Key Innovations ·       Embedded Payments

·       Embedded Insurance

·       Embedded Card Payments

·       Embedded Lending

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The key enablers for embedded finance are open banking and payment application programming interfaces (APIs). While these have advanced and matured sufficiently to enable embedded finance to become viable, it is not the case in all markets indicating that embedded finance’s prospects are not yet ubiquitously favorable. However, the progression of embedded finance could give rise to new regulatory changes and the development of existing ones including anti-money laundering (AML) such as the Bank Secrecy Act (BSA).

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Benefits of Embedded Finance

For Businesses: Improved customer engagement, additional revenues, and increased order value are some of the primary benefits of embedded finance for businesses.

For Consumers: Enhanced shopping experience, personalized financial services, and the ability to obtain institutionalized financial services are some of the basic benefits of embedded finance for consumers.

For Financial Institutions: The main benefits of embedded finance for financial institutions are simplified customer acquisitions, improved customer management and gaining access to financial data.

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Embedded Finance – Key Innovations

Embedded payments, embedded insurance, embedded card payments, embedded lending, embedded banking, embedded investment, embedded money management, and embedded wealth are the key innovations in the embedded finance.

Embedded payments: One of the examples of embedded payments is MoneyGram customer app to manage cryptocurrency transactions. The MoneyGram money transfer app makes it simpler for users to send money internationally from the US while providing users the speed, adaptability, and freedom to move money on their terms. It gives them access to a secure platform where they can buy, sell, and hold a few different cryptocurrencies. Users can use the app from any location to check foreign conversion rates, calculate fees, and pay invoices.

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Innovation Insights: innovation examples by each application segment of the embedded finance business to present key trends.

Key Highlights

Innovations: presents real-world innovation use cases and examples related to the implementation of emerging technologies by companies as well as startups in the embedded finance business. It casts light on how tech-enabled innovations are transforming every segment of the sector value chain.

Reasons to Buy

No surprise that technology has been a driving force in business transformation for years, but the term ‘emerging technologies’ has all of the sudden become the key catalyst to drive the next wave of innovation across sectors.

The sense of urgency weighs differently across different sectors, where the direct customer-facing sectors are at the forefront compared to other capital-intensive sectors. Companies in one sector can take cues from successful innovations in other sectors to either draw analogies with existing products, services, and processes or transfer strategic approaches for a revolutionary transformation.

Against this backdrop, enterprises need to understand which emerging technologies are impacting their sector and how various companies are implementing them to meet various challenges.

The innovation landscape report in embedded finance, published by GlobalData as part of an ongoing series, covers some real-world examples to advance the development and implementation of embedded finance across some major sectors.

Cash App
First National Bank of Omaha (FNBO)
Goldman Sachs
Irish Life
JP Morgan
Lightspeed Commerce
Mood Media
Stride Bank

Table of Contents

Table of Contents

1. Definition and architecture

2. Benefits of embedded finance

3. Key innovations

3.1 Embedded payments

3.2 Embedded insurance

3.3 Embedded card payments

3.4 Embedded lending

3.5 Embedded banking

3.6 Embedded investment

3.7 Embedded money management

3.8 Embedded wealth

4. Strategic implementation challenges

5. Methodology

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