Embedded Advantage | $570B Embedded Finance Boom—What’s Next?

Plus, don’t miss Rob Straathof at Money20/20—talking embedded finance, AI agents, and SMB growth strategy.

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Industry Watch 🔎

🚀 Partnership Spotlight: CreatePay x Liberis

When CreatePay set out to offer faster, simpler funding to thousands of UK small businesses, they needed a partner who could deliver more than just capital — they needed a platform built for scale, speed, and smart decisioning.

Enter Liberis.
Together, we’re making it easier for small businesses to access the finance they need—when they need it:

➡️ Moving to the Liberis-hosted core experience – a stronger, smarter foundation for growth.
➡️ Launching new channels – from self-serve to in-app messaging and push notifications, reaching SMBs right where they do business.
➡️ Rolling out pre-approvals and API pre-pop – turning data into instant, tailored offers, and pre-filling application forms to save time and reduce friction.
➡️ Supporting over 6,000 merchants – and growing every day.

🎤 On Stage at Money20/20: What to Watch

We’re counting down to Money20/20 Europe, and two sessions on our radar feature Rob Straathof, CEO of Liberis, diving into some of the most critical themes shaping the future of embedded finance and AI in fintech.

Sessions to bookmark:

These talks will explore how embedded finance is unlocking access to capital for growing businesses—and what happens when AI tools are designed with trust, transparency, and real-world utility at the core.

Want behind-the-scenes access?

Follow the Bobsguide team on TikTok and Instagram for real-time updates, speaker clips, and on-the-ground insights.

And for full recaps, interviews, and exclusive takeaways:
👉 money2020.unofficialinsights.com

Industry Trends & Innovation 💡

FINANCIAL TECHNOLOGY TRENDS

Embedded banking services are surging, with a 25.5% CAGR projected through 2031 as fintech firms and digital platforms integrate payments and lending directly into user journeys. Europe leads due to banking digitization, but privacy, regulatory compliance, and cybersecurity remain challenges. Businesses should consider partnering with fintechs to capture efficiency and revenue benefits.

FINANCIAL TECHNOLOGY GROWTH

The embedded finance market is projected to soar from $82.7 billion in 2023 to $570.9 billion by 2033, driven by rising demand for seamless financial services across retail, eCommerce, and emerging digital sectors. Automated processes and customer convenience fuel growth, but regulatory hurdles and compliance remain key obstacles.

FINANCIAL TECHNOLOGY

Building secure open banking APIs is crucial as global transactions surge—reaching 57 billion in 2023—with regulations like PSD2, OAuth 2.0 authentication, and FDX/FAPI standards providing a solid security backbone. Financial institutions must balance security, scalability, and developer engagement for future growth. These steps ensure safety, compliance, and adaptability.

FINANCIAL RISK ANALYSIS

Pymnts.com

Banks have increased lending to nonbank financial institutions to over $1 trillion, primarily fueling riskier private credit markets. Regulators worry these connections could spread financial instability, even though immediate risks are limited. Understanding these exposures is critical for anyone monitoring systemic risk or managing capital in today’s economic landscape.

Bobsguide is a ClickZ Media publication in the Finance division