Community banks, cloud core: the embedded play

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Industry Trends & Innovation 💡

STRATEGIC PARTNERSHIPS

Affirm’s Growth Driven by Embedded Finance and Expanding Payment Partnerships Across Markets

Affirm’s growth hinges on embedding its Buy Now, Pay Later offerings in physical retail via Stripe Terminal and integrating with major payment platforms like Google Pay. This approach expands its reach beyond eCommerce, addresses risks from single partners like Walmart, and enables long-term revenue growth and diversified adoption.

FINTECH INNOVATION

HSBC and Dowsure Bring Embedded Finance to Cross-Border SME Trade

HSBC’s partnership with Dowsure delivers instant, data-driven loan approvals for SMEs in the Asia-Pacific eCommerce space, bypassing slow, collateral-heavy banking. With $150 million in loans and an 80% approval rate, this model gives previously underserved businesses faster, broader access to multi-currency credit.

FINANCIAL INNOVATION

The Rise of Embedded Banking and How Finxact Helps Community Banks Outperform Traditional Models

Thread Bank’s use of Finxact’s cloud-native core and Infinant’s APIs allows rapid, compliant embedded finance solutions, driving growth where legacy banks lag. With assets of $797 million and diversified revenue channels, Thread seizes a $230 billion embedded financial market. Investors watching regional banking disruption should focus here.

FINANCIAL TECHNOLOGY

Embedded Finance and Its Role in Everyday Life Across Digital Services

Embedded finance is seamlessly integrating payments, loans, and insurance into everyday apps, making financial services faster and more accessible for consumers and businesses. Rapid adoption, notably in the UK and Asia, highlights its role in financial inclusion. For readers, this means new, easier ways to manage money.