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Embedded Finance: When Payments Become An Experience
Embedded finance is here and having global impact. Are you ready for it?
In Embedded When Payments Become An Experience, veteran growth strategists, entrepreneurs, and fintech disruptors Scarlett Sieber and Sophie Guibaud deliver a thought-provoking and page-turning discussion on the most impactful and exciting trend of fintech embedded finance. In the book, you’ll explore the past, present, and future of fintech, from how embedded finance is being leveraged today by industry heavyweights like Google and Amazon to supercharge their customers’ experience to the offerings of smaller, niche players who stand poised to dominate their own corners of the market as their answer unmet customers’ needs.
The authors
● Practical examples around the world of how embedded finance is being used today by technology companies and brands to redefine our online and offline retail experiences as we know them
● The key trends, players, and technologies that are paving the way for embedded finance to take a dominant position in our lives
● The role, opportunities, and strategies for banks, technology companies and brands, providing them with all necessary tools to define their own embedded finance strategy
● The impact of embedded finance on society, consumers, companies, and the economy as a whole, highlighting the dominant force that is embedded finance for our future
● An exciting view of how our day-to-day lives will look like in 2030, powered by embedded finance
An indispensable and eye-opening exploration of one of the most exciting and influential technologies in development today, Embedded Finance details a revolution in financial services, banking, and technology that has already begun. Are you ready?
In Embedded When Payments Become An Experience, veteran growth strategists, entrepreneurs, and fintech disruptors Scarlett Sieber and Sophie Guibaud deliver a thought-provoking and page-turning discussion on the most impactful and exciting trend of fintech embedded finance. In the book, you’ll explore the past, present, and future of fintech, from how embedded finance is being leveraged today by industry heavyweights like Google and Amazon to supercharge their customers’ experience to the offerings of smaller, niche players who stand poised to dominate their own corners of the market as their answer unmet customers’ needs.
The authors
● Practical examples around the world of how embedded finance is being used today by technology companies and brands to redefine our online and offline retail experiences as we know them
● The key trends, players, and technologies that are paving the way for embedded finance to take a dominant position in our lives
● The role, opportunities, and strategies for banks, technology companies and brands, providing them with all necessary tools to define their own embedded finance strategy
● The impact of embedded finance on society, consumers, companies, and the economy as a whole, highlighting the dominant force that is embedded finance for our future
● An exciting view of how our day-to-day lives will look like in 2030, powered by embedded finance
An indispensable and eye-opening exploration of one of the most exciting and influential technologies in development today, Embedded Finance details a revolution in financial services, banking, and technology that has already begun. Are you ready?
245 pages, Kindle Edition
Published May 10, 2022
26 people are currently reading
85 people want to read
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Displaying 1 - 8 of 8 reviews
February 2, 2025
I did not finish the book after suffering through 76 pages - while highlighting key players in the payments space, the classifications and descriptions of certain key themes and trends was often erroneous or illogical. I felt myself on constant fact checker mode and stopped reading so as to prevent misinformation from infiltrating my brain
November 21, 2022
I enjoyed reading this book, which for me is the first serious attempt at covering the topic of embedded finance. It is a well-structured book, clear to read and with interesting examples of technology use to provide financial services in a more integrated way. I have also enjoyed the final chapter about the 2030 vision for embedded finance.
However... two major areas where I think the authors could have done better:
1) More depth - this should be a book for industry insiders, and therefore would warrant more depth, both technically and from a business standpoint. It seems more of an Embedded Finance 101 for the general public. For example, I am close to the industry but not an insider and I already knew most of the stuff outlined the book
2) I would have liked the book to cover the future role of banks more explicitly - will they be disintermediated? Who is likely to be more successful - banks, big tech, fintech? And why? At times the book appears like a glorification of some start-ups that are doing interesting things, without a broader discussion of the sustainability of their business model
Having said this, definitely worth reading if you have some interest in the topic, but unlikely to blow your mind if you are in the payments and finance space.
However... two major areas where I think the authors could have done better:
1) More depth - this should be a book for industry insiders, and therefore would warrant more depth, both technically and from a business standpoint. It seems more of an Embedded Finance 101 for the general public. For example, I am close to the industry but not an insider and I already knew most of the stuff outlined the book
2) I would have liked the book to cover the future role of banks more explicitly - will they be disintermediated? Who is likely to be more successful - banks, big tech, fintech? And why? At times the book appears like a glorification of some start-ups that are doing interesting things, without a broader discussion of the sustainability of their business model
Having said this, definitely worth reading if you have some interest in the topic, but unlikely to blow your mind if you are in the payments and finance space.
July 31, 2024
Sometimes I have to read a book that do not have great reviews in hope of finding some useful information, because there aren't better alternatives. This was one of those cases.
Saying the book is completely useless would be a bit too harsh, but the contents are quite shallow, and the authors did not have a good understanding of non-financial concepts they talked about in the book. For example, they seemed to have confused tokenization with encryption.
The word "AI" appeared in every two sentences in the last chapter, but I don't think the authors understood how it worked and why consumer purchase decisions could but are not executed by AI yet. The same is true for "the Metaverse". And of course when you see statements like "Web 3 is gaining strong traction" and "Web 3 offers clear solutions to the short comings of the web 2 internet", you know it cannot be a serious book.
Half of the book is long multi-paragraph quotes from other people.
Saying the book is completely useless would be a bit too harsh, but the contents are quite shallow, and the authors did not have a good understanding of non-financial concepts they talked about in the book. For example, they seemed to have confused tokenization with encryption.
The word "AI" appeared in every two sentences in the last chapter, but I don't think the authors understood how it worked and why consumer purchase decisions could but are not executed by AI yet. The same is true for "the Metaverse". And of course when you see statements like "Web 3 is gaining strong traction" and "Web 3 offers clear solutions to the short comings of the web 2 internet", you know it cannot be a serious book.
Half of the book is long multi-paragraph quotes from other people.
May 10, 2024
Finanstaki teknolojik yenilikler sadece finansı değil yaşamımızı, ilişki ve iletişimimizi, alışveriş alışkanlıklarımızı ve bir çok şeyi kökten değiştirmektedir. Olayın özünde sadece teknoloji değil, veri, veriyi toplama, işleme, saklama gibi unsurlar da var. Fintek ekosisteminin son dönemlerde en heyecan veren alanı: Gömülü Finans. Fintek dünyasını öğrenmek isteyenler için yararlı olabilir. Ancak çok dolu bir kitap değil.
Online ticarette kredi kartı kullanımının teferruatlı, masraflı, zahmetli ve dolandırıcılığa açık olması sebebiyle finansal inovasyonların en gündemdeki maddesi; gömülü finans. Son dönemlerde hem fintek startuplarında neler oluyor, hangi projeler hangi darboğazları çözüyor, hangi alanlarda yeni ufuklar açıyor diye okunabilir. 2030'da bizi neler bekliyor konusu ise oldukça zayıf kalmış.
Online ticarette kredi kartı kullanımının teferruatlı, masraflı, zahmetli ve dolandırıcılığa açık olması sebebiyle finansal inovasyonların en gündemdeki maddesi; gömülü finans. Son dönemlerde hem fintek startuplarında neler oluyor, hangi projeler hangi darboğazları çözüyor, hangi alanlarda yeni ufuklar açıyor diye okunabilir. 2030'da bizi neler bekliyor konusu ise oldukça zayıf kalmış.
June 12, 2022
the future of money
Visionary view of the way personal finance will evolve over the next few decades. The role that finance will play to be more equitable benefitting the folks who need the most is encouraging.
Visionary view of the way personal finance will evolve over the next few decades. The role that finance will play to be more equitable benefitting the folks who need the most is encouraging.
June 9, 2023
A good book for people who are already knowledgeable in the FinTech field. The book gives a very good explanation of what is embedded finance, how it looks, what are its examples and how it will evolve in the future.
February 9, 2025
interesting real life case studies and examples
There were a lot of really good case studies and a cool look to what the future could beyond just finance.
There were a lot of really good case studies and a cool look to what the future could beyond just finance.
December 23, 2025
The book is very easy to ready, however if has a lot of repetition, a lot of high level pla pla pla and not so much tangible information.. it could have been a nice series of 4-5 blog posts.
Displaying 1 - 8 of 8 reviews