Santander's embedded-finance stack

“Can a 168-year-old global bank rebuild itself as a digital-first financial platform — via Gravity core banking, PagoNxt payments, Openbank digital brand, and Zinia BNPL — competitive with the neobanks and paytechs it helped create through its venture arm?”

9 layers disclosed

Payments / PSP
Getnet (self-operated), PagoNxt (self-operated)
Money movement
In the Index's full report
Banking / BaaS
In the Index's full report
Card issuing
In the Index's full report
Ledger
In the Index's full report
Lending
In the Index's full report
FX & payouts
In the Index's full report
Accounting
In the Index's full report
Fraud
In the Index's full report

14 more providers across 8 layers are in the Index's full report.

Full profile on the Embedded Finance Index ↗

Santander as a provider

#494 of 528 in PSP

1 company discloses it as a provider, including:

Vendor profile on the Embedded Finance Index ↗

Who uses Santander

1 company disclose Santander in their embedded-finance stack, ranking it #494 of 528 in PSP.

See all 1 customer on the Embedded Finance Index ↗

From the Embedded Finance Index, which maps the providers behind each company's embedded-finance products from public disclosures.

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