"The next phase of insurance is going to see two directions: embedding insurance into real-world services that can be delivered or accessed digitally, and incorporating real world services as features or benefits into insurance products. Integrated digital providers have shown the path by redefining industry boundaries and bringing together value propositions in a powerful way."--JONATHAN LARSEN, Chief Innovation Officer, Ping An"Scarlett's and Sophie's combined backgrounds give them a unique perspective into the future of this space. Their strategic thinking, operational excellence and deep understanding of key players and technologies afford them background knowledge that few people have mastered. If you want to master it, too, read their book."--JELENA MCWILLIAMS, Chairman, FDIC"Embedding is not an incremental step forward, it's actually transformative. Eventually it's going to sound goofy to say you're a fintech company when such a large percentage of all technology companies and brands are leveraging embedded financial services. Getting to know about embedded finance is a must for tech and brand executives, and this book is a good place to start."--MATT HARRIS, Partner, Bain Capital Ventures
Chapter One The Next Financial Revolution 1Chapter Two The Origins of Embedded Finance 9Chapter Three Big Tech and Beyond 45Chapter Four Embedded Finance in the Offline World 69Chapter Five The Right Ingredients Are Now in Place 117Chapter Six A More Sustainable and Equal World 161Chapter Seven 2030: How Embedded Finance Takes Over the World 197Acknowledgments 223About the Authors 225Index 227
SCARLETT SIEBER is Chief Strategy and Growth Officer at Money20/20, the fintech industry's largest gathering place globally. She is a Senior Advisor to NASA and has a decorated career spanning across financial services and technology. She is a regularly invited contributor to Forbes and The Financial Brand.SOPHIE GUIBAUD is the co-founder and Chief Commercial and Growth Officer at Fiat Republic, a compliance-first banking and payments API for crypto platforms. She has been a trailblazer of embedded finance, having spent the last ten years designing and executing the go-to market strategy of Banking-as-a-Service and embedded finance propositions in several industries.