In partnership with American Banker

Embedded Finance for Credit Unions and Regional Banks:
A Building-Block Approach

This report examines:

  • Changing Consumer Expectations
  • Market Trends & Opportunity
  • Challenges for Regional Banks and Credit Unions
  • How to Implement A Building-Block Approach

AB_FTOS Building Block Approach

Embedded finance is transforming banking.

Consumers now demand life-centric financial solutions, with innovations like buy-now-pay-later and instant credit becoming standard. While major banks and tech giants heavily invest in Banking-as-a-Service (BaaS), smaller institutions face challenges due to limited resources and outdated systems.

Credit unions and regional banks can adopt a building-block approach, starting small and expanding through strategic partnerships and innovative platforms.

This report provides insights into the market potential and strategic approaches for financial institutions to innovate and thrive in the embedded finance landscape. 

About American Banker

American Banker is the essential resource for senior executives in banking and financial services, keeping its users updated on vital developments and focusing sharply on their most important concerns — innovation, transformation, and disruption; technology, regulation, and reform. Financial industry professionals turn to American Banker, every day and throughout the day, to stay maximally informed — drilling down on complex issues, keeping up with breaking news, and downloading research and data. Paid subscribers and registered visitors engage deeply with an authoritative community of analysts, practitioners and innovators through opinion content, research panels, social media, and live events.

About FintechOS

FintechOS is an end-to-end financial product management platform. With FintechOS, banks, insurers, and other financial institutions can extend their core business systems, often inflexible in the face of agility and versatility requirements, with flexible capabilities to address the entire product lifecycle – and provide employees with productive tools for defining, distributing, subscribing, servicing, and analyzing the performance of financial products. Over 50 clients worldwide – including Groupe Société Générale, Admiral Insurance Group, and Howden Group – use FintechOS to modernize core infrastructure, expand into new markets, or address new business models such as embedded finance, avoiding lengthy implementations or risky migrations of core systems.