Embedded Finance

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Sieber and Guibaud offer a thorough exploration of embedded finance, a transformative concept poised to reshape financial services across various industries. They emphasize the role of Big Tech companies like Amazon and Google, as well as other businesses that stand to gain from this shift. Embedded finance is a burgeoning trend that promises to revolutionize how money moves across sectors. Over the past decade, the emergence of Fintech startups has led to the "unbundling of the bank," followed by the rise of neobanks that provide digital-first banking solutions tailored to specific customer segments. This evolution has paved the way for embedded finance, which allows companies—from retailers to car auctions—to meet their customers' financial needs seamlessly at the point of sale. This approach not only creates new revenue streams and enhances customer engagement but also enables brands to offer banking and payment experiences that are integrated and convenient. While already gaining traction in digital spaces, embedded finance is set to extend its influence offline, exemplified by innovations like Amazon Fresh’s payment-less grocery store. The trend will significantly impact consumer banking experiences and the future business models of banks, making it crucial for various stakeholders—banks, tech firms, fintechs, and regulators—to prioritize embedded finance in their strategic agendas. The authors aim to equip readers with i