Why Embedded Finance Is Exploding: Every Business Is Becoming a Bank

What do Starbucks, Uber, and Shopify have in common? They're not banks — but they act like it. Welcome to the invisible FinTech revolution, where embedded finance and Banking-as-a-Service (BaaS) are quietly transforming everyday businesses into financial powerhouses. In this episode, we sit down with Tom Mallon, Data Partner Manager at Fintech Sandbox, to unpack how APIs, partnerships, and data access are fueling a $7 trillion shift in the way financial services are delivered. From startups to legacy brands, companies are embedding payments, lending, insurance, and investment tools directly into their customer experience — creating new revenue streams and redefining what it means to be a “tech company.” We go beyond the headlines to explore: • Why embedded finance is more than a buzzword — it’s a business model • The infrastructure making this revolution possible • What founders and executives need to know now to avoid being left behind 📧

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