In this new episode of Fintech Cappuccino we are talking “embedded” with our guests Hessel Kuik, CEO of Bizcuit and Thomas Horn, Strategy Lead Embedded Lending at Rabobank. Embedded banking, payments, services - hype or relevant reality?  Is it about banks scraping around to compete with big techs embedded themselves into every company’s and consumers life? Or is it about staying relevant in an era of innovation where all see that it is not about “who owns the customer” but “who serves him best”. Bizcuit offers near instant lending to business customers through a model and with rating technology banks cannot match. Rabobank, eager to do the best for its SME clients, picked up the phone and nine months later the partnership was live. Listen to the what and how, the hurdles and the glory.