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Embedded Finance

Crypto decentralized finance digital transformation Embedded Finance identity and privacy Investing

·Aug. 27, 2021

Is Fintech or DeFi Bigger? And Who eats Whom? Hosted by The Defiant

In this video conversation we feature a roundtable by The Defiant exploring how and if the gap between Fintech and DeFi will be bridged.

DeFi Panelists
Lex Sokolin, head economist at ConsenSys
Santiago Roel Santos, angel investor
Spencer Noon, Investor at Variant
Vance Spencer, co founder at Framework Ventures

Fintech Panelists
Keith Grose, head of Plaid international
Nik Milanovi?, founder of This Week in Fintech
Simon Taylor, co-founder of 11:FS
Bruno Werneck, Business & Corporate Development at Plaid

Moderator
Camila Russo, Founder of The Defiant

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Embedded Finance

·Feb. 6, 2024

Marqeta’s Simon Khalaf: BNPL, embedded finance innovation just beginning

Embedded finance and buy now, pay later (BNPL) are hotbeds of innovation, and Marqeta is in the middle of the action, CEO Simon Khalaf said.

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Embedded Finance

·Aug. 30, 2023

Why every vertical software company should launch a capital offering

A logical move for vertical software companies is to add a financing option. With advances in embedded finance this becomes a relatively simple endeavor.

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digital transformation Embedded Finance enterprise blockchain exchanges / cap mkts mega banks neobank Open Banking open source

·Dec. 8, 2021

What Goldman’s institutional financial cloud on Amazon means for embedded finance

In this analysis, we focus on Goldman Sachs launching an institutional embedded finance offering within Amazon Web Services, and Thought Machine raising a unicorn round for its cloud core banking platform. We explore these developments by focusing on the emerging role of cloud providers as distributors of third party software, think through some of the implications on standalone fintechs and open banking, and check in on AI company Kensho. Last, we highlight the difference between Web3 and Web3 approaches to “cloud”, and suggest a path as to how those can be rationalized in the future.

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Embedded Finance marketing neobank roboadvisor

·Apr. 29, 2019

Wealthfront’s $1 Billion of Cash in Two Months

In news of cross-selling financial products across categories, roboadvisor Wealthfront has gathered a nifty $1 billion of deposit assets for its 2.29% interest-yielding non-bank cash account. Given that the firm has a little over $10 billion in managed investment assets, charges somewhere between 0 and 25 bps on those assets, and took years of wiggly pivoting to get to the current stage, it is fair to consider this influx a big win in terms of client traction. It is also $22 million of annual interest payments. A couple of things come to mind that are worth pulling apart.

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Embedded Finance

·May. 20, 2024

Embedded lending’s many considerations

Embedded consumer lending offers many benefits over BNPL. Working with a BaaS provider like Finastra allows banks to control their roadmap.

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Embedded Finance Investing neobank

·Oct. 28, 2019

Square’s Robinhood competitor and Robinhood’s Square competitor are rented from API providers, delegating billions

I look at two mental models explaining why and how financial APIs have led to the creation of billions in enterprise value. The driving news is that Square Cash is competing with Robinhood in free trading, powered by trading API company DriveWealth. Last week, we saw that Chime, Robinhood, and Monzo were powered by payments API company Galileo. Should these enablers be worth the billion-dollar valuations of their clients? Are APIs inevitable technology progress? Or are we just seeing venture financing spilling desperately into a rebundling play to find profitability?

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