Spruce's embedded-finance stack

“Can H&R Block convert its 20M+ annual tax-filing customers into year-round mobile banking users by embedding a fee-free neobank into its ecosystem?”

4 layers disclosed

Money movement
ACH
Banking / BaaS
In the Index's full report
Sponsor bank
Pathward, N.A.
Accounting
In the Index's full report

2 more providers across 2 layers are in the Index's full report.

Full profile 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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