Embedded finance continued its upward trajectory in Q3 2024, marked by strategic alliances and innovative tech integrations that are reshaping consumer and business expectations. The quarter’s advancements in embedded payments, lending, cards, insurance, and fintech infrastructure illustrate how finance is becoming an invisible but powerful layer within everyday services. In this report, WhiteSight breaks down the trends, key partnerships, and sector-specific use cases that are driving embedded finance forward—delivering actionable insights for industry players and innovators.
Q3 2024 was a defining quarter for open finance, with sweeping changes that accelerated its evolution on a global scale. The latest advancements in payments, personal finance, lending, and regulatory standards reveal a clear momentum towards more integrated, real-time, and data-driven financial services. WhiteSight’s latest report captures the many developments of the quarter that underscore how open finance is breaking down barriers across sectors—from empowering consumer financial management to reshaping credit access for underserved groups.
When the fintech conversation in Brazil turns to innovators, Magazine Luiza (Magalu) often flies under the radar. However, with over three decades of embedded finance innovation, Magalu’s journey offers an unparalleled blueprint for how a retailer can evolve into a fintech powerhouse. In this playbook, we delve into how Magalu’s strategic trifecta of building, partnering, and acquiring blends commerce with financial services to unlock new growth avenues across credit, payments, insurance, and Banking-as-a-Service (BaaS).
In the Embedded Finance Roundup for Q2 (April-June 2024), Embedded Payments and BNPL emerged as the key use cases explored by firms. SMBs and employees have begun to significantly benefit from embedded finance, gaining access to a variety of business financing credit products and salary advance use cases. The sector also witnessed two 100M+ funding rounds and saw an acceleration of the consolidation trend, with firms taking inorganic routes to acquire technology capabilities.
Open banking was first introduced in the UK in 2018 and followed by Australia in 2019. Since then, open banking has become a global phenomenon, with regulators from various countries fully committing to its introduction and supporting its adoption. As open banking reshapes financial ecosystems worldwide, Whitesight presents a comprehensive report for 2024, offering a detailed overview of the latest developments and trends in the open banking landscape. This one-stop report provides essential insights into how open banking is evolving globally.
Finance and banking have always been deeply integrated into our lifestyles, reflecting the evolving needs and contexts of consumers’ lives. Embedded finance is a testament to this integration, bringing financial services directly into customer interactions when they are most needed and on channels where they can be easily discovered and consumed. The Embedded Finance Quarterly Roundup report captures the dynamic progress of embedded finance in Q1 2024, providing valuable insights into the latest use cases, product launches, industry applications, partnerships, mergers, and acquisitions.
Toast is revolutionising the restaurant sector by integrating financial services seamlessly into its restaurant management and Point of Sale (PoS) solutions. Beyond its innovative software and hardware offerings, Toast leverages embedded finance to offer a suite of financial products, including loans, payment processing, and insurance, tailored specifically for restaurant businesses. Dive into our report to explore how Toast Capital is transforming B2B finance, making financial management more accessible and affordable for restaurateurs.
Explore the journey of Starling Bank, a digital disruptor in the UK banking industry. With over 3.6 million customers, Starling aims to transition from a challenger fintech to a credible “grownup” bank. The report highlights their success in enhancing banking services, collaborating with fintech partners, expanding business banking, and global expansion through banking technology.
Stripe is leading the fintech revolution, empowering a diverse range of businesses globally. Discover the tactics fueling Stripe’s fintech success in our 50-page report. Unravel their strategy including bets on creators’ economy, omnichannel commerce, digital assets & web3, embedded finance, and Generative AI.Â
Explore Revolut’s extraordinary growth, its journey towards obtaining a banking licence in the UK, the challenges encountered, and the actions taken to overcome these obstacles.
WhiteSight delves into the dynamic world of digital finance, bringing you an update from January to April 2023. We examine key events and trends in the current landscape through strategic partnerships, pioneering products, regulatory progress, and a myriad of other ingenious moves.
Explore OakNorth’s blueprint for building a tech-first bank that caters to the SME powerhouses of the UK. The report provides a detailed analysis of the bank’s three-pronged approach to cracking the elusive profitability code and building a fintech business that is making an impact in the world.
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