Embedded finance is transforming platforms like Shopify and Walmart by integrating comprehensive financial services such as payments and credit directly into their infrastructure. This evolution enhances operational efficiency and strengthens user engagement, making finance an inherent part of user experiences. The shift signifies a broader transition from traditional banking models to platforms becoming the primary interface for financial services, challenging conventional banking practices while maintaining traditional branches as essential growth engines in the financial landscape.
Embedded finance has become integral to platforms' architecture and how they operate, marking a significant evolution in the integration of finance within software ecosystems.
This is not a threat to traditional banking; rather an evolution in how financial services are accessed and distributed across platforms.
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