This is a report by Mobey Forum’s Payments Expert Group
(For related podcast, go here.)
Embedded Finance: A Strategic Roadmap for Banks
Strategic Insights for Financial Institutions Embracing Embedded Finance
As the digital economy accelerates, banks are urged to define their role within embedded ecosystems or risk losing relevance to tech-driven competitors.
This report, developed by Mobey Forum’s Payments Expert Group, provides strategic guidance for banks looking to leverage Embedded Finance as a growth opportunity. It unpacks three distinct business models—API-Driven Banking, Verticalised Offering, and Platform Banking—and outlines the tactical steps banks can take to embed financial services into customers’ everyday digital journeys.
The objective is to support financial institutions in turning Embedded Finance from a theoretical concept into a practical business strategy. The report combines expert perspectives, maturity models, and case studies from leading banks such as UBS, PostFinance, and SEB Embedded, offering a clear path from strategy to execution.
Mobey Forum’s Payments Expert Group Co-Chairs:
Pål Krogdahl, Samlink
Ville Sointu, Nordea
