"But here's what we're learning as embedded finance matures: The consumers and businesses that use embedded financial products repeatedly and stay loyal to their platforms are not just staying for the technology and platform. They're staying because when they need it, they're able to get help from people who understand the product, can anticipate their issues, and guide them through decisions that carry real financial weight. It's not just the technology that is required to win, but the right level of service also."
"Embedded fintech puts financial services directly inside the software people already use to manage their everyday life or business. Here's why the human element matters from day one. Say you're a restaurant owner looking to apply for capital through your point-of-sale system. When a business owner needs to understand their costs, their options, and whether it makes sense to take a bank loan or advance, reassurance and education are the difference between gaining a customer and losing one."
Fintech prioritized frictionless experiences—instant approvals, one-click funding, and seamless onboarding—to remove long-standing customer friction. As embedded finance matures, customer loyalty depends not only on technology but also on human support that understands products, anticipates issues, and guides consequential financial decisions. Embedded solutions put financial services inside everyday software and must include ongoing assistance from onboarding onward. Practical guidance and education, such as helping a restaurant owner weigh loan versus advance options through a point-of-sale system, build trust and drive retention. Smooth APIs enable transactions, but specialists who explain funding limit changes and provide reassurance convert users into loyal customers.
Read at Fast Company
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