Embedded Finance: Transforming the Banking Value Chain

Embedded finance-enabled user journeys are transforming the strategies of financial institutions from relationship-driven to capability-driven approaches. This report, presented by Mobey Forum’s Payments Expert Group with contribution from Netcetera, explains embedded finance and will arm the critical information to understand its impact on the financial services industry and beyond.


The Mobey Forum’s Payments Expert Group defines embedded finance as the integration of financial services to enhance and complement a third-party service offering from a banking or non-banking provider. This creates a convenient end-to-end journey with minimal friction for the end user.

The report explains how the traditional value chain is changing, explores the roles banks can play, and outlines the strategic relevance and urgency for banks to seize substantial opportunities in embedded finance.

If your bank is not yet pursuing a well-defined strategy, you should familiarize yourself with the drivers of embedded finance, its relevance, and its impact on the industry’s traditional value chain. Doing so will help you create a tailored strategy to help your institution prosper.