{"id":1525,"date":"2021-08-03T07:41:28","date_gmt":"2021-08-03T07:41:28","guid":{"rendered":"https:\/\/decentro.tech\/blog\/?p=1525"},"modified":"2026-08-18T10:08:20","modified_gmt":"2026-08-18T10:08:20","slug":"embedded-finance","status":"publish","type":"post","link":"https:\/\/decentro.tech\/blog\/embedded-finance\/","title":{"rendered":"What is Embedded Finance? How is it Impacting Fintech?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/decentro.tech\/blog\/embedded-finance\/#What_is_Embedded_Finance\" >What is Embedded Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/decentro.tech\/blog\/embedded-finance\/#Why_is_Embedded_Finance_Beneficial_to_Every_Business\" >Why is Embedded Finance Beneficial to Every Business?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/decentro.tech\/blog\/embedded-finance\/#Embedded_Finance_Things_to_Consider\" >Embedded Finance: Things to Consider<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/decentro.tech\/blog\/embedded-finance\/#What_are_Modern_Use_Cases_of_Embedded_Finance\" >What are Modern Use Cases of Embedded Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/decentro.tech\/blog\/embedded-finance\/#How_Decentro_Can_Power-up_Your_Business\" >How Decentro Can Power-up Your Business<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/decentro.tech\/blog\/embedded-finance\/#On_a_Concluding_Note\" >On a Concluding Note&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-large featured-post-img\"><img loading=\"lazy\" decoding=\"async\" width=\"854\" height=\"854\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/What-is-Embedded-Finance-How-is-it-Impacting-Fintech-.png\" alt=\"\" class=\"wp-image-6228\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Remember the time when you booked a train on Makemytrip and bought insurance for your trip? Travel is no longer something you remember, thanks to COVID? Got it!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How about the time you booked a cab on an app and got an option to opt for a seamless pay-later product? Right. Did you pay for the ride after 15 days? Still don&#8217;t remember!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s take a more obvious example. Do you remember Amazon pay asking you for a credit card or Amazon Pay Later? It&#8217;s more obvious now, right?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, what&#8217;s common among all the above situations?&nbsp;You are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Interacting with an app you use that isn&#8217;t primarily isn&#8217;t known for financial services<\/li><li>Being convinced about opting for a financial product on the app with minimal effort<\/li><li>Someone who loves opting for products that simplify your financial life amidst the chaos.&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">So, what are we talking about? It&#8217;s embedded finance, of course.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you go through the same experience multiple times, it becomes a habit, an &#8216;interaction loop&#8217; as product folks like me tend to think of. And it&#8217;s a very powerful habit to inculcate in your customers.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The New Shift<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">You might wonder what was so great about the insurance, pay-later, or even the credit card you&#8217;ve got. You have taken insurance, paid later with a credit card, and even taken a loan. What&#8217;s the big deal, you say?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s the simplicity of customer experience! And we are not talking about the number of clicks or cool UI. Simply delightful customer experiences!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As consumers, we are used to interacting with financial products, right from savings accounts, education loans, investments, credit or debit cards, insurance, auto loan, to home loans &#8211; usually in that order among most consumers. We are used to visiting branches or at least the websites or apps (for the millennials!) to avail any of the above.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1186\" height=\"808\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/embedded-finance-rosenblatt-securities.png\" alt=\"An infographic showing how embedded finance has impacted different verticals.\" class=\"wp-image-1529\"\/><figcaption>Source: Rosenblatt Securities<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#8217;s move on to the million-dollar question.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Embedded_Finance\"><\/span>What is Embedded Finance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The ecosystems across consumers &amp; businesses have seen immense growth. Embedded finance has evolved from being a financial layer in ecosystems to being an incumbent Fintech offering. Let&#8217;s look a bit deeper.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default is-layout-flow wp-block-quote-is-layout-flow\"><p>At a basic level, embedded finance is all about offering financial services to captivate customers, individuals, and businesses within an ecosystem and with minimal effort.&nbsp;<\/p><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">This could typically be one of the following scenarios as an example &#8211;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Providing loans to sellers on marketplaces<\/li><li>Extending pay-later options to consumers (buyers) on <a href=\"https:\/\/decentro.tech\/verticals\/marketplaces\/\" target=\"_blank\" rel=\"noreferrer noopener\">marketplaces<\/a><\/li><li>Issuing insurance for shipping and services offered on marketplaces<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Embedded Finance is not new. There has been a lot of legacy play from the perspective of embedding financial products where the customers have been transacting with businesses and platforms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some legacy examples of embedded finance include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Manufacturing &amp; FMCG firms providing credit to their distributors<\/li><li>Consumer durable loans at offline electronics stores<\/li><li>Enabling auto loans and insurance by car dealers<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1874\" height=\"959\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/simon-torrance-embedded-finance.png\" alt=\"New digital business models for financial institutions.\" class=\"wp-image-1532\"\/><figcaption>Source: Simon Torrance<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Over a while, embedded finance has unfolded to adapt to the digital world &#8211;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Marketplaces have tied up with fintech lenders to facilitate loans to businesses via APIs<\/li><li>Platforms have used transaction data to assess loans and insurance via APIs<\/li><li>Companies have built skin-in-the-game models with financial institutions<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_is_Embedded_Finance_Beneficial_to_Every_Business\"><\/span>Why is Embedded Finance Beneficial to Every Business?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Embedded Finance is all about being where your customers are. So, let&#8217;s look at some of its tenets in its new avatar.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Delivering the value of financial products within the captive ecosystem<\/li><li>Simplifying the customer interaction with the financial ecosystem<\/li><li>Enabling financial transactions using customer footprint<\/li><li>Capturing value for the core business offering<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2006\" height=\"1080\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/embedded-finance-statistics-light-year-capital-decentro.gif\" alt=\"A graph showing the growth potential of embedded finance.\" class=\"wp-image-1530\"\/><figcaption>Source: Lightyear Capital<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Embedded Finance presents a very compelling value proposition to digital platforms for multiple reasons.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Greater customer lifetime value by providing credit facilities<\/li><li>Reduced customer churn, thus providing more significant growth momentum<\/li><li>Additional <a href=\"https:\/\/decentro.tech\/blog\/generating-new-revenue-streams-with-embedded-finance-banking\/\" target=\"_blank\" rel=\"noreferrer noopener\">revenue streams<\/a> for the platform from financial services<\/li><li>Increased customer acquisition due to word-of-mouth and scale<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Not just digital platforms, the market potential of this fintech wave turbocharges financial services players as well. How?&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Increased distribution resulting in greater business opportunities<\/li><li>Diversification of products resulting in lower business risk<\/li><li>Enhanced operational efficiency since platform undertakes operations<\/li><li>Heightened focus on core operations, product innovation, and compliance<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Embedded finance is one of those collaboration constructs that is a win-win-win for all the 3 stakeholders in the model: <strong>The customer, the platform, and the financial service provider<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What if we say that Decentro can simplify the entire integration and go-live process for your embedded finance strategy?&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Embedded_Finance_Things_to_Consider\"><\/span>Embedded Finance: Things to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While we have discussed embedded finance and have found it to be a great business driver, implementing it requires careful planning. Luckily, we at Decentro have just the right sauces for you, just like we power numerous such use-cases across platforms.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Getting started with Embedded finance requires clarity on the below areas.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong><span style=\"color:#20509e\" class=\"has-inline-color\">Customers<\/span>:<\/strong> Who are your customers, and what are their business needs?<\/li><li><strong><span style=\"color:#20509e\" class=\"has-inline-color\">Needs<\/span>:<\/strong> What are the most critical financial needs of your customers?<\/li><li><strong><span style=\"color:#20509e\" class=\"has-inline-color\">Experience<\/span>:<\/strong> What is the customer experience you envisage?<\/li><li><strong><span style=\"color:#20509e\" class=\"has-inline-color\">Business<\/span>:<\/strong> Which business will benefit from adopting &amp; providing finance?<\/li><li><strong><span style=\"color:#20509e\" class=\"has-inline-color\">Impact<\/span>:<\/strong> What is the impact of this on your customers?<\/li><li><strong><span style=\"color:#20509e\" class=\"has-inline-color\">Operations<\/span>:<\/strong> How much effort are you ready to handle?<\/li><li><strong><span style=\"color:#20509e\" class=\"has-inline-color\">Technology<\/span>:<\/strong> How well does the tech stack sit with core business?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Embedded Finance, in most use cases, requires greater focus from the platform on the below areas.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2713\" height=\"867\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/modern-use-cases-embedded-finance-decentro.jpeg\" alt=\"What are the things to consider while looking at embedded finance for your business.\" class=\"wp-image-1531\"\/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Ownership<\/strong>: Embedded finance requires the platform to own the customer and, thus, heavy-lift the product discovery phase. Consequently, a business can easily discover the right product offering for its customers.<\/li><li><strong>Process<\/strong>: Embedded finance requires the platform to drive and facilitate most of interacting with the service provider, preferably in a tech-driven manner to minimize human efforts.<\/li><li><strong>Risks<\/strong>: Embedded finance might require the platform to own up to a certain amount of risk in lending or insurance to facilitate the product to a cohort of customers. This results in a scattered positive impact on revenue.<\/li><li><strong>Experience<\/strong>: It&#8217;s not about building jazzy technology. It&#8217;s all about providing a superior customer experience, even if it&#8217;s offline or assisted. The platform needs to understand how its users interact with its product.<\/li><li><strong>Education<\/strong>: Your business might require to educate the users on the benefits and any downsides of the product, including educating the benefits of availing from the platform.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_Modern_Use_Cases_of_Embedded_Finance\"><\/span>What are Modern Use Cases of Embedded Finance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Some of the best use cases for embedded financing enhance the critical business drivers the platform is trying to achieve.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Buy Now Pay Later<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">BNPL is a tailored offering where a platform offers a specific credit limit by partnering with a lender based on the transaction history to its buyers, usually consumers.&nbsp;<a href=\"https:\/\/decentro.tech\/blog\/what-is-buy-now-pay-later-bnpl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Buy Now Pay Later<\/a> helps a user to avail credit by bypassing the long-drawn processes of loans. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color:#20509e\" class=\"has-inline-color\">Example<\/span>: Amazon Pay Later.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"2791\" height=\"1444\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/embedded-finance-buy-now-pay-later-decentro.jpg\" alt=\"A diagram showing how buy now pay later works.\" class=\"wp-image-1534\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Seller Financing&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A custom offering where a marketplace offers loans to its sellers against receivables. It partners with a fintech lender or <a href=\"https:\/\/decentro.tech\/blog\/what-are-nbfcs\/\" target=\"_blank\" rel=\"noreferrer noopener\">NBFC<\/a> and does so based on the transaction history of the user.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color:#20509e\" class=\"has-inline-color\">Example<\/span>: Amazon or Flipkart Seller Financing program.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Invoice Financing<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Here, a marketplace gets the seller of a product to be paid upfront through a credit line from a lender, bearing some amount of interest. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color:#20509e\" class=\"has-inline-color\">Example<\/span>: Cloudtail program<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Travel Insurance<strong>&nbsp;<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">An oversimplified version of general insurance where the platform provides insurance for a traveler for a specific trip.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color:#20509e\" class=\"has-inline-color\">Example<\/span>: IRCTC insuring travelers.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Credit Line&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A tailored offering where a marketplace offers a credit line to its SME buyers through a credit card, <a href=\"https:\/\/decentro.tech\/blog\/prepaid-payment-instruments-for-your-business\/\" target=\"_blank\" rel=\"noreferrer noopener\">prepaid payment instrument<\/a>, or credit line basis their loyalty.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color:#20509e\" class=\"has-inline-color\">Example<\/span>: Amazon B2B financing.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Payments Infrastructure&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This is something that a lot of <a href=\"https:\/\/decentro.tech\/verticals\/enterprise-resource-planning-system-erp\/\" target=\"_blank\" rel=\"noreferrer noopener\">ERPs and SaaS providers<\/a> are plugging into their systems by providing a seamless payment experience to customers.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color:#20509e\" class=\"has-inline-color\">Example<\/span>: Clear, Zoho, SAP.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Decentro_Can_Power-up_Your_Business\"><\/span>How Decentro Can Power-up Your Business<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kick-starting your embedded financing is really not as uphill as many &#8216;thought leaders&#8217; make it out to be. Rather, it requires discipline and focus, not always massive funding!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let us introduce you to some of the modules you can embed into your ecosystem.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">KYC<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">As they say, if you need to get started with anything in financial services, customer onboarding is the first place. <a href=\"https:\/\/decentro.tech\/blog\/what-is-kyc-why-is-it-important\/\" target=\"_blank\" rel=\"noreferrer noopener\">Know Your Customer<\/a> checks helps platforms capture customer information, be it lending, insurance, or payments.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bureau&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding customer creditworthiness is a crucial element of any product offering, be it lending or insurance. A consumer Bureau pull helps the platform understand a customer&#8217;s credit history and take risks accordingly.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Payments&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">No matter which product you are building, payments are integral to your business. Investing in a good payment infrastructure, including recurring payments, helps deliver an excellent customer experience.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"960\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/embedded-finance-payment-infrastructure-upi.gif\" alt=\"A gif showing the payment infrastructure by Decentro for embedded finance.\" class=\"wp-image-1528\"\/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Accounts<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you are looking to build out the entire ecosystem of financial offerings, opening up <a href=\"https:\/\/decentro.tech\/products\/business-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">current bank accounts<\/a> or savings accounts is the easiest way to scale your financial infrastructure.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Data&nbsp;<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Gaining a deep understanding of customers is very critical. This is over and above the transaction data on platforms like banking, GST, financial, location, etc. This allows you to make intelligent decisions.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"On_a_Concluding_Note\"><\/span>On a Concluding Note&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With the rise of the consumer internet, there&#8217;s been a <a href=\"https:\/\/www.statista.com\/statistics\/255146\/number-of-internet-users-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">phenomenal increase<\/a> in the consumption of products &amp; services, around an estimated 975 million by 2025! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With it has come a new wave of platforms that deliver almost every desired good and service to consumers&#8217; doorsteps. Naturally, financial services become the next bastion for such platforms as consumers seek to purchase financial products with minimal friction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And that&#8217;s where embedded finance comes into play. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We, at Decentro, empower businesses from different verticals to adopt embedded finance to their products and go live within weeks, i.e., <strong>10X faster<\/strong>, and with <strong>lower overhead expenditure by 80%<\/strong>!&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"4364\" height=\"4364\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/embedded-finance-verticals-decentro.png\" alt=\"A chart that shows the different verticals where Decentro empowers businesses.\" class=\"wp-image-1535\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">If your business is looking to surf this wave, we can help! Our modules come with simple plug-n-play <a href=\"https:\/\/decentro.tech\/blog\/why-your-company-should-start-looking-at-banking-apis\/\" target=\"_blank\" rel=\"noreferrer noopener\">banking APIs<\/a> that will simplify your most complex financial operations. Be it <a href=\"https:\/\/decentro.tech\/blog\/what-are-virtual-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">virtual accounts<\/a> for reconciliation, <a href=\"https:\/\/decentro.tech\/blog\/what-no-one-will-tell-you-about-upi-payment-links-payment-gateways\/\" target=\"_blank\" rel=\"noreferrer noopener\">white-labeled UPI links<\/a> for instant fund settlements, or <a href=\"https:\/\/decentro.tech\/blog\/what-are-virtual-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">virtual cards<\/a> for businesses to spend, track, &amp; manage the spend! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Feel free to take a look around while you&#8217;re here. We&#8217;re always available at <strong>hello@decentro.tech<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Until we see you next time with yet another exciting topic!&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Embedded Finance is one of those collaboration constructs that is a win-win-win for all the stakeholders in the model. Let&#8217;s understand it better today!<\/p>\n","protected":false},"author":8,"featured_media":6765,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[143],"tags":[],"class_list":["post-1525","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Embedded Finance? How is it Impacting Fintech? - Decentro<\/title>\n<meta name=\"description\" content=\"Everything you need to know about Embedded Finance. Refine your products, enrich customer experience, &amp; earn additional revenue. Here\u2019s how!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/decentro.tech\/blog\/embedded-finance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Embedded Finance? How is it Impacting Fintech? - Decentro\" \/>\n<meta property=\"og:description\" content=\"Everything you need to know about Embedded Finance. Refine your products, enrich customer experience, &amp; earn additional revenue. 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