Embedded Finance
GeneralDefinition
Embedded finance is the integration of financial services—payments, banking, lending, insurance, cards—into non-financial products and platforms via APIs. Companies use embedded finance platforms to offer branded financial experiences (e.g. checkout financing, branded cards, working-capital loans) without building banking infrastructure. It includes BaaS, card issuing, embedded lending, AP/AR, payroll, and compliance tooling. Sometimes called embedded banking in broader use.
Related Terms
Frequently Asked Questions
What is Embedded Finance?
Embedded finance is the integration of financial services—payments, banking, lending, insurance, cards—into non-financial products and platforms via APIs. Companies use embedded finance platforms to offer branded financial experiences (e.g. checkout financing, branded cards, working-capital loans) without building banking infrastructure. It includes BaaS, card issuing, embedded lending, AP/AR, payroll, and compliance tooling. Sometimes called embedded banking in broader use.
What does Embedded Finance stand for in Open Banking?
Embedded Finance is a key term in the Open Banking ecosystem. Embedded finance is the integration of financial services—payments, banking, lending, insurance, cards—into non-financial products and platforms via APIs. Companies use embedded finance platforms to offer branded financial experiences (e.g. checkout financing, branded cards, working-capital loans) without building banking infrastructure. It includes BaaS, card issuing, embedded lending, AP/AR, payroll, and compliance tooling. Sometimes called embedded banking in broader use.
More General Terms
Embedded Banking
Embedded banking is the integration of banking services—such as accounts, payments, and cards—into n...
Open Banking Ecosystem
The Open Banking Ecosystem refers to all the elements that facilitate the operation of Open Banking....
Open Banking Services
The Open Banking services provided by Open Banking Limited to Participants, including but not limite...
Open Finance
Open Finance is the extension of Open Banking-like data sharing and third party access to a wider ra...
Participant
An API Provider, API User, ASPSP, or TPP that currently participates in the Open Banking Ecosystem. ...
PSU
Payment Services UserA Payment Services User is a natural or legal person making use of a payment service as a payee, pay...
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