One fintech investor thinks this is the next big trend

“Embedded fintech” may be the least sexy industry trend term, but on the positive side it means everyone gets to be the banker (sort of)!Embedded banking or finance is on the up over the last few years, meaning more businesses are giving their customers a one-stop shop by integrating finance services into their products. According to Forbes, embedded finance will generate $230 billion in revenue by 2025, a 10x increase from $22.5 billion in 2020. Method is the latest launch to help companies provide financial services. Method allows makers to embed debt repayment into their apps for credit card, student loan, car loan, and mortgage payments. The makers formed the idea while building Gradjoy, an app that helps students tackle their loans.The term “embedded fintech” was coined in 2019 and despite a couple of early risers in this space, we’re just at the start of its boom. Yet if you’re thinking “embedded fintech is old news,” Merritt Hummer, partner at Bain Capital Ventures, agrees. Her article in TechCrunch speculates that we’re on the heels of the next trend wave: embedded procurement.Hummer sees this as a sister concept, where businesses will begin managing inventory and procurement for their customers too. Imagine a SaaS which provides scheduling and POS for salons adding inventory management for supplies like shampoo. That company can begin aggregating its customers' demand to purchase for their customers at better prices.This transition from “every company will be a fintech company” to “every company will be a marketplace” is on our watchlist. In the meantime, here are six more embedded fintech launches you may have missed:Stripe Treasury - Banking-as-a-Service API from Stripe Puzzl - Embedded payroll Check - Another embedded payroll service Lendflow API - Embedded lending infrastructure Finch - Payroll and HR API Alpaca Broker API - End-to-end brokerage embedding (we also wrote about Alpaca’s fractional trading API here) [View Online]( [Product Hunt]( [9f940c19 1533 4f57 93bc 57efeedb5a23]( “Embedded fintech” may be the least sexy industry trend term, but on the positive side it means everyone gets to be the banker (sort of)! Embedded banking or finance is on the up over the last few years, meaning more businesses are giving their customers a one-stop shop by integrating finance services into their products. According to Forbes, embedded finance will generate $230 billion in revenue by 2025, a 10x increase from $22.5 billion in 2020. [Method]( is the latest launch to help companies provide financial services. Method allows makers to embed debt repayment into their apps for credit card, student loan, car loan, and mortgage payments. The makers formed the idea while building [Gradjoy](, an app that helps students tackle their loans. The term “embedded fintech” was coined in 2019 and despite a couple of early risers in this space, we’re just at the start of its boom. Yet if you’re thinking “embedded fintech is old news,” Merritt Hummer, partner at Bain Capital Ventures, agrees. Her article in TechCrunch speculates that we’re on the heels of the next trend wave: embedded procurement. Hummer sees this as a sister concept, where businesses will begin managing inventory and procurement for their customers too. Imagine a SaaS which provides scheduling and POS for salons adding inventory management for supplies like shampoo. That company can begin aggregating its customers' demand to purchase for their customers at better prices. This transition from “every company will be a fintech company” to “every company will be a marketplace” is on our watchlist. In the meantime, here are six more embedded fintech launches you may have missed: [Stripe Treasury]( - Banking-as-a-Service API from Stripe [Puzzl]( - Embedded payroll [Check]( - Another embedded payroll service [Lendflow API]( - Embedded lending infrastructure [Finch]( - Payroll and HR API [Alpaca Broker API]( - End-to-end brokerage embedding (we also wrote about Alpaca’s [fractional trading API here]() [Check out Method Financial]( Last week [we announced]( which makers received our latest round of grants to support them as they continue building and creating. 1Feed maker and grant recipient Ethan is sharing [great advice]( for staying on track or figuring out your next steps. [Twitter button]( [Facebook button]( [Promoted Product ?]( [352efdb2 7e58 48b6 9268 27535d1400d1]( [Pendo Free]( [Build better product experiences with Pendo. 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