Embedded finance

Embedded finance means that financial products are seamlessly integrated into other apps and services – without you having to visit a bank or open a banking app.

Everyday examples:

• Klarna/PayPal: credit directly at the online checkout ("pay later")
• Uber: payment automatically after the ride (no card transaction needed)
• Check24: take out insurance directly while comparing prices
• Apple: Apple Pay, Apple Card, Apple Savings – a complete financial world on the iPhone
• Amazon: loans for merchants directly in the seller portal

Why it's growing: customers want financial products where they need them – not in a separate banking app. For companies: an additional source of revenue.

Warning: the convenience can lead to taking out loans more often or buying on impulse. Always pay attention to the costs!