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This April, The Fintech Times is focusing on all things embeddedfinance, the integration of financial services into non-financial products and services. As the space rapidly develops, we look to highlight the latest developments, initiatives and challenges embeddedfinance has to offer and overcome across the globe.
This April, The Fintech Times is focusing on all things embeddedfinance, the integration of financial services into non-financial products and services. As the space rapidly develops, we look to highlight the latest developments, initiatives and challenges embeddedfinance has to offer and overcome across the globe.
This April, The Fintech Times is focusing on all things embeddedfinance, the integration of financial services into non-financial products and services. As the space rapidly develops, we look to highlight the latest developments, initiatives and challenges embeddedfinance has to offer and overcome across the globe.
CredibleX is integrating Mastercards Small Business Credit Analytics (SBCA) API into its embeddedfinancing platform to enhance SME credit access in the UAE and EMEA region. Working capital financing platform CredibleX announced this week that it has partnered with Mastercard.
Open finance extends beyond payments, empowering individuals and businesses with holistic financial management tools and personalised services. Open data, in turn, enriches these offerings, enabling innovative credit scoring and risk assessment beyond traditional banking channels.
Ammar Alsoos , CEO of LikeCard, also added: “Our collaboration with Mastercard brings an AI-driven family banking experience to the region, empowering families with financial literacy tools while enhancing security and convenience.”
These trends include ecosystem banking, generative artificial intelligence (GenAI), and embeddedfinance, a new report by PwC India and ASSOCHAM says. This collaboration allows financial institutions to access to new customer segments, leading to increased customer acquisitions and improved engagements. billion by then.
While this represents a significant step forward, should financialinclusivity have moved further ahead by now? Embeddedfinance is key – digital wallets and embedded lending integrated into everyday platforms make financial services instantly accessible to those left out by traditional banking.
AI enables more precise risk assessments, facilitates personalized banking experiences, and optimizes investment and lending portfolios through real-time data analytics. Moreover, AI fosters the creation of new financial products and services previously inconceivable.
3 Programmable Money: Advancing FinancialInclusion or Creating Walled Gardens, Powered by J.P. The discussion will cover key aspects such as the impact on cross-border payments, liquidity funding needs, and the broader implications for financialinclusion and the global movement of money.
Círculo de Crédito , the fastest-growing credit bureau in Mexico, has used unique credit risk scores from FICO to boost financialinclusion in Mexico and help an additional 20 million citizens access credit. Finding a way to score millions without credit history.
This alliance is based on the shared goal of promoting financialinclusion amongst Spain’s immigrant community. In addition to issuer processing, Orenda will benefit from Tribe’s proprietary Risk Monitor platform, which allows for real-time assessment of banking transactions against an array of predefined conditions.
3 Programmable Money: Advancing FinancialInclusion or Creating Walled Gardens, Powered by J.P. The discussion will cover key aspects such as the impact on cross-border payments, liquidity funding needs, and the broader implications for financialinclusion and the global movement of money.
These awards highlight companies and individuals whose fintech initiatives have contributed to advancing financial technology, promoting financialinclusion, and improving service delivery. A new category was introduced to recognise progress in artificial intelligence and quantum technology.
Big Data Analytics : Helps predict customer behaviour, optimise pricing, and assess creditworthiness in real time. Customers gain more control over their financial data and more choice in services. EmbeddedFinanceEmbeddedfinance allows companies outside finance to offer loans, insurance, and payments directly within their platforms.
Through its proprietary credit-decisioning model, CapBay enables businesses of all sizes to obtain short-term financing, while banks and investors can participate in high-quality financing deals.
Shift in regulation Alex Mifsud, CEO, Weavr Alex Mifsud , CEO and co-founder at embeddedfinance company Weavr, anticipates a shift to outcome-based regulation in the financial sector, emphasising end results and innovation.
It aims to streamline verification, enhance accuracy, and promote financialinclusion. Co-lending Co-lending combines multiple lenders’ resources to unlock financing opportunities, enabling larger loans and broader access to capital across sectors like real estate, small businesses, and personal loans.
By joining forces, they can combine their strengths to improve financial services and reach underserved populations. Governments and regulatory bodies aim to increase financialinclusion and make services accessible to all. This opens the door to financialinclusion, benefiting both customers and financial institutions.
Payments in 2025 will be shaped by AI, instant payments, CBDCs, embeddedfinance, and sustainability. For example, cards versus instant payments, wallets versus real-time transfers, BNPL versus store credits, and other financing options.” The impact on customer loyalty is profound.
. “We saw an opportunity to drive greater financialinclusion,” she explains. A major factor behind this success was ANEXT Banks focus on embeddedfinance. Traditional banks wouldnt extend credit due to historical financial constraints,” Su Mei said. ” she continued.
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