The Change Dude

#71: Embedded Finance — How Every App Is Becoming a Bank


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In this episode of The Change Dude, we unpack the fast-growing world of embedded finance — the quiet revolution turning everyday apps into banking powerhouses. From ride-hailing to e-commerce to creator platforms, financial services are moving into the background while user experience takes center stage. We explore what embedded finance really is, how it works behind the scenes, why companies are racing to integrate it, and what this shift means for consumers, banks, regulators, and the future of money itself. This is your deep dive into the future of financial services — invisible, intelligent, and built into every digital experience.


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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.


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The Change DudeBy Saeed Rafay