In this episode of Deciphered, Adam Davis, Associate Partner at Bain & Company and Jeff Tijssen, Global Head of Fintech, Bain & Company are joined by Matt Harris, Partner, Bain Capital, and Sophie Guibaud, Co-founder & CCO of Fiat Republic, to discuss embedded finance marking a new era in how consumers and businesses build and manage relationships with financial services.
In this episode of Deciphered, Adam Davis, Associate Partner at Bain & Company and Jeff Tijssen, Global Head of Fintech, Bain & Company, are joined by Matt Harris, Partner, Bain Capital, and Sophie Guibaud, Co-founder & CCO of Fiat Republic, to discuss embedded finance marking a new era in how consumers and businesses build and manage relationships with financial services.
Embedded Finance: What Does it Take to Prosper in the New Value Chain?
Timestamps:
- Defining embedded finance (11:10)
- Sticky & data rich relationships (12:42)
- A new value chain & how organisations are positioning themselves within it (13:16)
- Who wins from a revenue perspective, and how will that shift in the next 2-5 years? (16:42)
- New use cases of embedded finance (26:20)
- What capabilities are needed to operate in this value chain? (29:29)
- Are we seeing other platforms bringing financial services in-house? Or is this limited to bigger companies? (34:31)
- Risk within the value chain, and embedded finance model (38:24)
- Stepped approach to embedded finance (40:10)
- Regulations in an embedded finance context (41:39)
- Most important points to consider about risk and compliance (45:54)
- Implications of complete embedded financial services (48:05)
Sources & Resources cited:
- Sophie's Book Co-Authored by Scarlett Seiber: Embedded Finance: When Payments Become An Experience
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- You can find Adam Davis here
- You can find Jeff Tijssen here
- You can find Matt Harris here
- You can find Sophie Guibaud here