Embedded finance figured prominently in my conversation with Sergiu Negut, Co-founder & CSO, fintech OS at the Fintech Talents Festival. Embedded Finance, as he notes, isn’t new but has attracted mounting attention in recent years. Sergiu shared his views on some of the most interesting developments.
For the first time in almost a decade, discussions around interest rates and growing inflation are taking centre stage. However, Sergiu says that this has not yet impacted the growth and popularity of Buy Now, Pay Later products (BNPL). And we really need to ask why.
When we think about the market inefficiencies of the financial services system, the power and potential of modern technology to address those inefficiencies continues to have a massive impact. That is where embedded finance really shines as it enables frictionless, more democratic access to financial products. BNPL may be the poster child for embedded finance, but it is only the tip of the iceberg when it comes to the possibilities.
Can access be made too easy? Will that put consumers and businesses at risk of financial detriment? What were his Festival highlights? Watch the full interview to get Sergiu’s view on those questions and more as we look to what the future holds.
FTT Embedded Finance & Supers Apps Europe is coming up on 16 May at the Convene, London. It is a great opportunity to learn more about all of the exciting developments in embedded finance and meet the key players and providers creating the next generation of the products and services.