Unlocking Financial Inclusion with Embedded Finance
summary
Region-wide data: about 69% unbanked, 390 million people and ~238 million with phones, so mobile reach far outstrips bank access. Claim: embedded finance can onboard large unbanked cohorts by placing deposits, payments and credit inside nonfinancial apps using developer APIs and partnerships between technology platforms and balance-sheet banks. Concrete examples include prepaid wage cards, instant merchant settlement accounts and just-in-time funding for gig workers. Business model split: distributors capture payment/deposit value while balance-sheet partners capture lending revenue; market may double in three years.
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chapters (10)
- 0:00Embedded finance basics
- 1:48Financial exclusion in Arab world
- 4:20Embedded finance for inclusion
- 6:27Embedded finance defined
- 8:15Drivers of embedded finance growth
- 10:02Best businesses for embedded finance
- 12:29Revenue trends in embedded finance
- 14:35Success strategies for embedded finance
- 15:17Four pillars for inclusion
- 17:26Infinitech’s embedded finance
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