Issue #13 - Unpacking Fintech Themes: Embedded Finance

1. Overview on Fintech themes

2. Open Banking

3. Banking-as-a-Service

4. Embedded Finance

5. Embedded Fintech

If you have thoughts or questions to share on this series, please leave a comment.

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Where it Fits

Embedded Finance (i.e. distribution of banking services by non-banks) defines the revenue opportunity for Banking-as-a-Service (i.e. banks delivering services via API) and is a driver for Embedded Fintech (i.e. integration of fintech offerings by banks). It was catalyzed by Open Banking (i.e. banks sharing customer data via API).

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Why it Matters

• a16z: Every Company Will Be a Fintech Company

• Fintech Futures: Embedded finance: a game-changing opportunity for incumbents

• Lee Schlenker: Embedded Finance

• a16z: Fintech Scales Vertical SaaS

• Fintech Ruminations: Shopify, E-Commerce Eats Finance

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Use Cases

• CBInsights: Big Tech’s Playbook: Where Facebook, Amazon, Microsoft, Google, And Apple Are Investing & Acquiring — And What It Signals About The Future

• Fortunesoft: Embedded Finance Use Cases

• Finextra: Is Embedded Finance the Future?

• Unit: Revenues in Financial Features: a Complete Guide for Tech Companies

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Key Players

There’s too many players to cover in this article, so here’s some links to great lists.  

• Tearsheet: List of top partner banks and the products and services they offer, BaaS Buyers Guide

• Venture Radar: Top Embedded payments Companies, Top BaaS Companies

• 11:FS: Banking as a Service: reimagining financial services with modular banking

• 451: Financial fabric: The infrastructure for embedded finance

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Challenges

• Fintechtris: Exploring Embedded Banking?

• International Banker: Does Embedded Finance Pose the Biggest Threat to Traditional Banking?

• Financial Brand: Late Adopters of ‘Embedded Finance’ Must Play Catch-Up Fast

• Forbes: Embedded Payments Are Here: How To Prepare

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Predictions

• Simon Torrence: Embedded Finance: a game-changing opportunity for incumbents

• Forbes: Fintech: The Fourth Platform - Part Two

• Tribe Payments: Fintech 2030: The Industry View

• Nasdaq: Three Predictions for Embedded Fintech’s Breakout in 2021

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If you have thoughts or questions to share on this series, please leave a comment.

Thanks for the inspiration: Seema Amble, Itai Damti, Giorgio Giuliani, Matt Harris, Jim Marous, Omri Mor, William Morales, Chris Nichols, Javier Perez, Eric Rosenthal, Frank Rotman, Vinod Saratchandran, Ron Kristina Shen, Ron Shevlin, Lisa Shields, Oliver Smith, Chris Skinner, Israel Sotonwa, Kannan Srinivasan, Angela Strange, Salman Syed, Richie Serna, Lee Schlenker, Simon Taylor, Simon Torrence, Kimberly Tan, Zac Townsend, Chia Jeng Yang