EMBEDDED FINANCE
USE CASES

EMBEDDED
FINANCE
USE CASES

Imagine a world where any brand can easily launch their own financial Products and Customers could get access to tailored financial services natively embedded, though the brands they love to use.
Discover some of the most relevant Uses Cases from different type of players and industries, that are disrupting CX by:

Building their own Digital Bank and Cards

Offer paperless, fast and mobile Personal & SME Loans to their customers

Building their own PSD2 compliant Payment Services

Onboarding their retail and business customers smoothly and securely

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Build your own Digital Banking solution

Whether you are a Digital Company, a Fintech or a Corporate, you can create your own digital banking product through seamless APIs.
  • Expand your core product offering by integrating banking services directly into its value chain, or scaling customer-centric banking services.
  • Open up new income streams.
  • Boost your number of customer touchpoints.
  • Gain valuable insights into your customers’ spending behavior.
  • Build up the bespoke banking experience your customers want. From issuing of Debit Cards or digital consumer loans to develop saving and money management solutions.
  • Benefit from fast time to market and geographic scope by choosing the right partner.
  • Leverage Open Banking APIs to get real-time customer’s balance information and access valuable data to analyze and support better decisions.
  • Become your customers’ everyday bank and increase their financial health through giving access to all their accounts in one place.
  • Give access to added-value 3rd-party services for greater convenience in customers’ day-to-day lives.
  • Based on deep knowledge of your customer’s finances, build powerful solutions such as Alerts, Notification, Smart Saving features & Lending opportunities.
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Ready to become a laber?

Offer Debit Cards in your own branding

Expand your CX by offering debit cards in your own branding, whether for retail or business customers.
  • Create a VISA or Master debit card for your customers.
  • Customize them with modern segmented features, designed to meet your customer’s needs and lifestyle (push notifications and alerts, custom limits and 3D Secure with two factor authentication).
  • Keep full control over your customer relationship as well as your end customer pricing.
  • Integrate Google Pay enabling your customers to pay in-store or online by a simple tap of a finger.
  • Enrich your CX by engaging with your brand everytime your customer makes a payment.
  • And last, but not least… Earn part of the interchange fee for every card payment your customer makes.
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Ready to become a laber?

Ready to become a laber?

Expand your Value Proposition with Smart Lending Solutions

Offer consumer and SME loans to your customers in your own branding and enrich the CX by providing exactly what they need without the hassle of additional clicks.

Whether you are a Digital Bank, an e-Commerce or a Credit Intermediary, you can access API-based solutions that enable you to integrate consumer and SME loans directly in your own product and branding experience.
  • Fully digital, paperless and mobile, allowing your customers to receive a credit decision in minutes, or less than 48h for SMEs.
  • Enable your customers to simply convert their payments into installments and control the entire Customer Journey. Customers can pick a payment to convert, choose a repayment plan and experience the whole process though your brand.
  • Merchant, e-commerce or digital bank can benefit from integrating these amazing features that will acquire, loyal or retain the best customers.
  • End-to-end integrated white-label solutions from customer onboarding, identification, automated risk-assessment, to pay out and regulatory reporting.
  • Depending on your BaaS partner, underwriting and scoring process can have flexible options.
  • E-commerce retailers can boost their conversion rates by enabling their customers to pay via loan without affecting the customer journey.
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Ready to become a laber?

Ready to become a laber?

Build immediate & cost-efficient
online Payment Services

Third parties will be able to initiate online payments to an e-merchant or other beneficiary directly from the payer’s bank account via an online portal, cutting out the middle-man altogether. Banks, FinTech companies and large merchants would likely have capacity to provide such payment initiation services.
  • Through Open Banking, payments can be initiated via API, optimizing time & cost for both business and customers, and significantly improving CX. No doubt, open banking transfers are cheaper than credit card payments.
  • If you are a marketplace, a payment facilitator or any business that wants to manage the holding and transfer of third party funds, you can leverage on API-accessible settlement virtual accounts from a BaaS partner.
  • Receive, hold and pay out your customers’ funds by integrating API-based Pooling Account directly with your application’s frontend.
  • Customize the customer journey and optimize the CX, while APIs work behind the frontend. Payment requests are executed in near real time via transparent API calls.
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Smart Onboarding & Know Your Customer

Knowing your customer translates in an opportunity & competitive advantage to serve them better, and potentially improve their financial well-being. Open Banking provides white-label approach APIs to support any type of business to easily identify their customers, prevent fraud, and understanding their needs and wants.
  • Speed up your onboarding flow significantly, accessing real-time and up-to-date financial data. APIs read and verify the authenticity of your users.
  • Collect ID documents and check them against international AML databases.
  • Boost conversion rates by tracking applications and follow up on missing documents.
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Ready to become a laber?

Ready to become a laber?

CX Lab inspires, co-develops and advices

Digital Companies

Deepening the customer’s business relationship and a customer experience by integrating banking services directly into its value chain. Examples of digital companies innovating CX through Embedded Banking are Social Media, TV On Demand, Mobility On Demand, On-Demand Delivery, Native E-Commerce, Booking Aggregators and Smart City Apps.

Fintechs

Scaling customer-centric banking services by cross-up selling initiatives and increasing share of wallet. Examples of Fintech companies innovating CX through Embedded Banking are: Remittance, Lending, NeoBanks, Payments, Money Management, Wealth & Asset Management, InsurTech, Capital Markets & Trading, RegTech, Tech Enablers and Cybersecurity.

Corporates

Establish more customer touchpoints to propel new revenue streams by enriching the core offering with digital banking services. Examples of Corporate companies innovating CX through Open Finance are: Department Stores, Niche Retailers, Malls & Multi-Brand Outlets, Automotive, Mobile & Internet, Transport, Airlines, Construction, Fuel Service Stations, HR Services, Energy & Sustainability, Real Estate, Insurance, HealthCare & Beauty, Hospitality and Car Rental.
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Ready to become a laber?

Ready to become a laber?