Embedded Finance (FAS) Lecture

Introduction to Embedded Finance

• Embedded Finance has been around for a long time
  • Historically seen in catalogues and car purchases
  • Technology has made it more integrated and smooth
• Not a new concept for consumer brands to provide financial services at the point of need

Modern Examples

• Uber

  • No longer have to show a card when stepping out of an Uber (normalized experience)
  • Uber provides bank accounts to drivers to improve loyalty
    • Drivers receive prompt payment into Uber accounts
    • Uber cards come with added benefits
    • Helps retain drivers within their platform

• Vino and Expatrio (Europe)

  • Expatrio helps foreign students in Germany manage finances
    • Students required to open local bank accounts for fees, rent, etc.
    • Expatrio simplifies this process
    • Potential growth into broader financial services market
  • Expatrio as a company evolves from helping students settle to providing extensive financial services.