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London, United Kingdom
51-100 Employees
2011
For over a decade ezbob has pioneered the digital lending transformation of leading financial institutions worldwide. We are supervised and compliant with every banking and financial regulation applicable (GDPR, SOC2 etc.). With ezbob this process is entirely automated and relies on real-time decisions. Embrace open banking to offer sleek solutions to attract and engage customers while minimizing risk. Rapid, fully digital onboarding and account opening, including credit assessment, delivering a hassle-free "type and swipe" experience for new and existing customers. Rapidly design, test, and launch new products, keeping pace with the market.
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Embedded finance solutions enabling business lending at the point of need.
... Embedded finance solutions enabling business lending at the point of need. ...
Munich, Germany
51-100 Employees
2022
Mit Push2Wallet ist Dock Financial der erste Anbieter in Europa bei dem Karten über Text oder E-Mails in Echtzeit ohne die Notwendigkeit einer App versandt werden können. Mit unserer Infrastruktur bieten wir Ihnen die Möglichkeit interne Prozesse zu optimieren bzw. Die Infrastruktur und Prozesse sind bereits als vollumfängliches fertiges Produkt vorhanden. Unsere schlüsselfertige Lösung erlaubt es, neue kundenzentrierte Produkte schnell und einfach zu erproben, auszurollen und zu monetarisieren – ohne Eingriff in das bestehende Kernbankensystem. Mit physischen oder virtuellen Zahlkarten für Kunden oder für die eigenen Buchhaltungsprozesse bietet Dock Financial unzählige Möglichkeiten. Mit der Integration von Finanzfunktionen hat unser internationales Team von Experten schon viele Jahre Erfahrung. Daraufhin wird unser Expertenteam ein auf Ihren Anwendungsfall zugeschnittenes technisches und kommerzielles Lösungspapier erstellen und mit Ihnen teilen. Von nun an werden wir mit Ihnen zusammenarbeiten um das Embedded Finance Produkt umzusetzen.
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Discover More About Dock's Embedded Finance Solutions
... With Dock's embedded finance solutions, companies can offer and manage accounts, cards and payments themselves - for a better customer experience. ...
Waterloo, Canada
1-10 Employees
2018
At Olive, we are committed to helping millions of people worldwide achieve positive financial outcomes with our embedded finance platform. We are building a culture of trust, accountability and results. That's why we are always striving to go beyond the status quo and help them achieve their goals. Olive was founded in 2018 by payment rounding pioneer, Dave Beaton. We're committed to creating a better world by harnessing the power of embedded finance and open finance to drive positive social impact. At Olive, we believe that financial empowerment is a collective effort. Our clients are the reason we exist, and we are constantly inspired by their passion. We work closely with financial institutions, technology providers, and other organizations to bring the power of embedded finance and open finance to more people.
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Embedded finance made easy
... Stay up-to-date with the latest in embedded finance and open ...
London, United Kingdom
1-10 Employees
We are a research and advisory firm focused on helping organisations realise the full potential of Embedded Finance and Insurance. Combining innovative payment, credit, savings, insurance or investment components with other digital services drives new levels of customer engagement and loyalty and opens up new streams of high margin revenue. A comprehensive analysis, benchmark and ranking of over 45 key Embedded Insurance providers. Embedded Finance enables any product developer in any sector to incorporate innovative payment, savings, loyalty, banking, insurance or investment solutions into their customer experiences and service portfolios. Simon is a regular keynote speaker, a member of the World Economic Forum's 'Accelerating Digital Transformation' executive working group, a guest lecturer at Singularity University, and co-author of 'Fightback - how to win in the digital economy with platforms, ventures and entrepreneurs'. Projects are staffed with specially configured teams of experts, with world-class skills in these areas:. To support the execution of our strategies we work with leading innovators, including:.
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About — Embedded Finance & Super App Strategies
... A virtual network of expert advisers and fintechs focused on Embedded Finance ...
New Haven, United States
1-10 Employees
2020
We are Corechain, a better B2B Payments platform that's built for your business, on blockchain. CoreChain Pay delivers an easy-to-use digital payments solution for any company interested in reducing fraud risk, operating more efficiently, simplifying vendor payments, and eliminating paper checks. CoreChain Pay drives additional cash flow through a generous rebate program via digital payments.The platform provides more cash control for finance managers, business owners, and CEOs. CoreChain Pay also provides working capital solutions for our customers and their suppliers:. CoreChain Pay is built upon the CoreChain Network, which has over 240,000 suppliers and multiple financial institutions which can offer additional working capital. The CoreChain platform uses both latest-gen tech and existing capabilities… This creates minimal disruption and a faster, easier digital reconciliation process. The CoreChain network unlocks the power of embedded B2B payments and supplier financing for our partners making payments, efficient, secure, and "easy button easy". CoreChain is driving digital transformation of this massive market through paperless, secure and efficient payments solutions…all built on enterprise blockchain for simple partner integrations, and superior network architecture & security.
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Leverage our embedded supply chain finance
... Leverage our embedded supply chain finance ...
San Jose, Philippines
1-10 Employees
2020
At CrediLinq.Ai, our goal is to create an inclusive, accessible, digital-first,and frictionless embedded finance experience where every business canget instant access to growth capital at their point of need. Our proprietary marketplace financing solution empowers B2B platformsand marketplaces to offer a seamless embedded finance experience toSMEs and bridge the credit gap, one loan at a time. Our goal is to create a more inclusive, accessible, digital-first and frictionless customer experience where every business can get quicker access to growth capital.Our proprietary technology enables our ecosystems partners to become lenders and facilitate products including B2B BNPL and GMV financing for their clients. Our embedded finance solution empowers B2B platforms to seamlessly offer their partnerSMEs affordable credit at their point of need. Our proprietary credit scoring and underwriting algorithm leverages machine learning andartificial intelligence to assess alternative datasets and identify creditworthy SMEs sufferingfrom a financing gap.
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How Our Embedded Finance and Alternative Financing Solution Is Bridging the SME CreditGap:
... CrediLinq.Ai provides Embedded Finance Services, Alternative Financing and Checkout Financing with One Click Financing using data driven insights and AI. ...
Zwolle, Netherlands
11-50 Employees
2019
We offer tailored and white labeled applications to your needs. Blockchain Voucher is a financial transaction platform, embedding banking services via API as SaaS, BaaS or a ready-to-go White Label end user application using platform independent progressive web app technology.
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Blockchain Voucher □ □ □
... Building Embedded finance solutions ■■■ ...
New York, United States
51-100 Employees
2014
Engine by MoneyLion serves as the enterprise brand of MoneyLion, a leader in financial technology, driving the next generation of personalized products and content. We are excited to further develop our marketplace programs together.”. MoneyLion is on a mission to give everyone the power to make their best money decisions and achieve their financial dreams. We have products and solutions for everyone, regardless of their financial situation. Increase the value of each customer by offering them comprehensive products and valuable insights at every step of their financial journey. Draw on our AI-enabled technologies to offer the right product at the right time to the right person. Tap into fintech's first adapt-and-react content engines designed to excel in rapid, high-volume content creation. The transparency and focus on data have allowed us to drive consistent growth and success each month.”.
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Embedded Finance Marketplaces
... Embedded Finance Marketplaces | Engine by ...
Technologies which have been searched by others and may be interesting for you:
Some interesting numbers and facts about the results you have just received for Embedded Finance
| Country with most fitting companies | United Kingdom |
| Amount of fitting manufacturers | 142 |
| Amount of suitable service providers | 74 |
| Average amount of employees | 11-50 |
| Oldest suiting company | 2011 |
| Youngest suiting company | 2022 |
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Embedded finance refers to the seamless integration of financial services within the ecosystems of non-financial companies, enabling these entities to offer banking, payment, insurance, or investment services directly to their customer base, without the need for those customers to seek out traditional financial institutions. This approach leverages technology to embed financial functions into the user journeys of various digital platforms, such as retail marketplaces, social media sites, and business software solutions, thereby creating a more cohesive and frictionless user experience. The impact of embedded finance within its field is profound, as it not only democratizes access to financial services, making them more readily available to a broader audience but also fosters innovation in product offerings and business models. By blurring the lines between financial and other services, it encourages a more holistic approach to customer service and experience. Furthermore, embedded finance facilitates the collection and analysis of vast amounts of data, allowing for more personalized and efficient services, while also opening new revenue streams for non-financial companies. This transformation has significant implications for traditional financial institutions, which may need to adapt by either developing their own embedded finance solutions or partnering with fintechs and non-financial companies to remain competitive in an increasingly integrated digital ecosystem.
1. Enhanced Customer Experience:
Embedded finance seamlessly integrates financial services within non-financial platforms, offering users a smoother and more intuitive experience. This integration eliminates the need for customers to navigate away from their current platform to complete financial transactions, thus enhancing user engagement and satisfaction.
2. Increased Revenue Streams for Businesses:
By incorporating financial services, businesses can unlock new revenue opportunities. For instance, an e-commerce platform offering embedded lending or insurance at the point of sale can earn additional income through commissions or fees, without the need for significant investment in developing these financial products themselves.
3. Improved Financial Inclusion:
Embedded finance can reach a wider audience, including those traditionally underserved by conventional financial institutions. By embedding financial services in everyday apps and platforms, it lowers barriers to access, enabling more people to benefit from financial products tailored to their needs.
4. Streamlined Operations:
The integration of financial services directly within platforms can significantly streamline operations for businesses. It reduces the complexity of transactions, minimizes the need for intermediaries, and can lead to more efficient processing of payments and other financial activities.
5. Data Insights and Personalization:
Embedded finance allows businesses to leverage the data they collect to offer personalized financial products. By understanding customer behavior and preferences, companies can tailor their financial offerings, improving customer loyalty and potentially increasing usage of their financial services.
While evaluating the different suppliers make sure to check the following criteria:
1. Regulatory Compliance and Licensing
Ensure the supplier has the necessary regulatory licenses to operate across the jurisdictions you target. Compliance with financial regulations is non-negotiable to mitigate legal risks.
2. Technological Infrastructure
Assess their tech stack for scalability, security, and integration capabilities. The ability to seamlessly integrate with your existing systems using APIs is critical.
3. Product Range
The breadth and depth of financial services offered (e.g., payments, lending, insurance) should match your requirements to provide a comprehensive solution to your customers.
4. Customer Support and Service Level Agreements (SLAs)
High-quality customer support for you and your end-users, along with clear SLAs, ensures reliability and trust in the services provided.
5. Pricing Model
Understand their pricing structure to ensure it aligns with your business model and growth plans. Look for transparency and the absence of hidden fees.
6. Security and Data Protection
Evaluate their security measures and compliance with data protection regulations to safeguard your customers' information.
7. Experience and Market Reputation
Consider their track record and reputation in the market. Experience in serving similar businesses or industries can be a significant advantage.
8. Innovation and Future Roadmap
Their commitment to innovation and how they plan to evolve their offerings should align with your long-term needs and the dynamic nature of the financial industry.
Embedded finance is transforming B2B interactions across various industries by integrating financial services into traditional business platforms. One prominent use case is in the e-commerce sector, where embedded finance facilitates seamless payment processing and credit offerings directly on the platform. This not only enhances the purchasing experience but also improves cash flow management for merchants, enabling them to grow their businesses more efficiently. In the supply chain and logistics industry, embedded finance plays a crucial role in streamlining operations. Companies can offer or access instant financing options, such as invoice financing or supply chain financing, directly through their operational platforms. This immediate access to capital helps businesses manage their cash flow more effectively, ensuring that operations remain uninterrupted even in tight financial situations. Another significant area is the Software as a Service (SaaS) sector, where embedded finance allows businesses to offer their clients tailored financial products, such as subscription-based payment plans or financing for additional services. This not only adds value to the SaaS providers' offerings but also enhances customer loyalty and satisfaction by providing flexible payment solutions that meet their clients' financial needs. Finally, in the real estate industry, embedded finance can revolutionize how transactions are conducted. By integrating financing options directly into real estate platforms, businesses can streamline the purchasing process, offering buyers immediate access to loans or mortgage options. This simplifies the buying journey, making it faster and more efficient for all parties involved. Embedded finance is thus reshaping the B2B landscape, offering innovative solutions that enhance operational efficiency, improve customer experiences, and open new revenue streams across various industries.
Embedded finance, a cutting-edge integration of financial services within non-financial environments, currently hovers around TRL 7 to 9. This classification stems from the technology's evolution beyond proof-of-concept stages, showcasing its deployment in operational environments. Embedded finance has successfully demonstrated its viability through seamless incorporations into platforms like retail marketplaces and business software systems, enabling transactions, lending, and insurance services directly within these ecosystems. The technical backbone supporting this high TRL includes sophisticated APIs (Application Programming Interfaces), robust security measures, and advanced data analytics, facilitating secure, real-time financial transactions embedded within user interactions. Furthermore, the development and application of machine learning algorithms for personalized financial offerings and fraud detection contribute to this high readiness level. The widespread adoption and integration of these technologies across various sectors, proving both scalability and reliability, underscore its maturity. However, it's the combination of these advanced technical components with regulatory compliance and user experience optimization that solidifies embedded finance's position at the higher end of the technology readiness spectrum, indicating its readiness for widespread commercial adoption and its ability to meet diverse market needs efficiently.
In the Short-Term, embedded finance will see significant advancements in integration and user experience. Financial services will become more seamlessly integrated into non-financial platforms, driven by APIs that enable smoother transactions and data exchange. Immediate impacts will be visible in e-commerce and retail sectors, where checkout processes will become more streamlined, offering instant loans, insurance, and payment options tailored to the consumer's purchasing history and preferences. Mid-Term developments will focus on the expansion of embedded finance into new markets and sectors, leveraging advancements in AI and machine learning. These technologies will enhance personalized financial offerings, with systems capable of predicting user needs and offering financial products in real-time. We'll also see the rise of embedded finance in healthcare, education, and real estate, providing more accessible financing options and payment plans directly within service platforms. Regulatory technology (RegTech) will evolve to manage the increasing complexity of compliance within these integrated services, ensuring security and trust. Long-Term, the evolution of embedded finance will be marked by the advent of decentralized finance (DeFi) platforms, blockchain, and smart contracts, making these services more autonomous and secure. These technologies will enable true peer-to-peer financial transactions and sophisticated financial products embedded in daily activities and devices, including IoT devices. The ubiquity of financial services will lead to a more inclusive financial ecosystem, reducing barriers to access and enabling new business models that could challenge traditional financial institutions.
Some interesting questions that has been asked about the results you have just received for Embedded Finance
What are related technologies to Embedded Finance?
Based on our calculations related technologies to Embedded Finance are Education, Engineering Services, IT & Technology Services, Healthcare Services, Consulting
Who are Start-Ups in the field of Embedded Finance?
Which industries are mostly working on Embedded Finance?
The most represented industries which are working in Embedded Finance are Financial Services, Information Technology, Software, Lending and Investments, Payments
How does ensun find these Embedded Finance Companies?
ensun uses an advanced search and ranking system capable of sifting through millions of companies and hundreds of millions of products and services to identify suitable matches. This is achieved by leveraging cutting-edge technologies, including Artificial Intelligence.
