{"id":198722,"date":"2026-07-05T03:29:46","date_gmt":"2026-07-05T07:29:46","guid":{"rendered":"https:\/\/innowise.com\/?p=198722"},"modified":"2026-07-09T03:30:06","modified_gmt":"2026-07-09T07:30:06","slug":"embedded-finance-trends","status":"publish","type":"post","link":"https:\/\/innowise.com\/pt\/blog\/embedded-finance-trends\/","title":{"rendered":"Tend\u00eancias das finan\u00e7as integradas em 2026: o que se segue para os pagamentos, os empr\u00e9stimos e a banca"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"198722\" class=\"elementor elementor-198722\">\n\t\t\t\t<div class=\"elementor-element elementor-element-819836f e-flex e-con-boxed e-con e-parent\" data-id=\"819836f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c955e32 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"c955e32\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"display: none;\"><\/div>\n\n<div style=\"display: none;\" class=\"breadcrumbs flex\">\n    <div class=\"info\"> \n    <a href=\"https:\/\/innowise.com\/\">\n  Main\n  <\/a>\n    <\/div>\n    <div class=\"info\">\n         <a href=\"https:\/\/innowise.com\/about-us\/\">\n  About us\n  <\/a>\n    <\/div>\n     <div class=\"info\">\n          <a href=\"https:\/\/innowise.com\/blog\/\">\n  Blog\n  <\/a>\n    <\/div>\n<\/div>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{\n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Innowise is on Top: We Are No. 554 on Inc. 5000 Annual List\",\n    \"item\": \"https:\/\/innowise.com\/blog\/inc-5000-puts-innowise-group-among-the-fastest-growing-technology-companies-in-the-usa-2022\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Blog\",\n    \"item\": \"https:\/\/innowise.com\/blog\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Main\",\n    \"item\": \"https:\/\/innowise.com\/\"  \n  }]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93f634e elementor-widget-tablet__width-inherit elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"93f634e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Embedded finance trends <span id=\"current-year\">2026<\/span>: what\u2019s next for payments, lending and banking <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0ba38f elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"a0ba38f\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"heroBottom\">\r\n  <div>\r\n    <a href=\"https:\/\/innowise.com\/authors\/siarhei-sukhadolski\/\">Siarhei Sukhadolski<\/a>\r\n  <\/div>\r\n\r\n  <div class=\"second\">\r\n    <span>Jul 5, 2026<\/span>\r\n    <span>10 min read<\/span>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b399fb9 elementor-hidden-desktop elementor-hidden-tablet e-flex e-con-boxed e-con e-parent\" data-id=\"b399fb9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-523b86d elementor-widget elementor-widget-image\" data-id=\"523b86d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/Small-cover-Embedded-finance-trends-2026_-whats-next-for-payments-lending-and-banking-2.png\" class=\"attachment-large size-large wp-image-198724\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/Small-cover-Embedded-finance-trends-2026_-whats-next-for-payments-lending-and-banking-2.png 880w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/Small-cover-Embedded-finance-trends-2026_-whats-next-for-payments-lending-and-banking-2-300x225.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/Small-cover-Embedded-finance-trends-2026_-whats-next-for-payments-lending-and-banking-2-768x576.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/Small-cover-Embedded-finance-trends-2026_-whats-next-for-payments-lending-and-banking-2-16x12.png 16w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-970be0b article-description e-con-full e-flex e-con e-parent\" data-id=\"970be0b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f2465c0 author-article e-con-full e-flex e-con e-child\" data-id=\"f2465c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e6efd78 e-con-full e-flex e-con e-child\" data-id=\"e6efd78\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3d76e49 e-con-full e-flex e-con e-child\" data-id=\"3d76e49\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef45fbb elementor-widget elementor-widget-shortcode\" data-id=\"ef45fbb\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[summarize_button_ai]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27f6da7 e-con-full takeways e-flex e-con e-child\" data-id=\"27f6da7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e65d259 elementor-widget elementor-widget-heading\" data-id=\"e65d259\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key takeaways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8d5045 elementor-widget elementor-widget-text-editor\" data-id=\"c8d5045\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\">\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AI is shifting embedded finance from reactive to predictive<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Blockchain and stablecoins are moving from experimental to practical<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Super apps are raising the bar for what users expect<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Embedded lending is maturing fast in B2B SaaS<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time payouts have become a baseline expectation for marketplaces, gig platforms, and creator tools.<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccd97df elementor-widget elementor-widget-text-editor\" data-id=\"ccd97df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">I&#8217;ve spent years working at the intersection of financial technology and product engineering, and I can say with confidence that the pace of change in this space rarely slows down. But what&#8217;s happening right now feels a bit different, and this is especially vivid in the <\/span><span style=\"font-weight: 400;\">embedded finance trends <span id=\"current-year\">2026<\/span>. <\/span><span style=\"font-weight: 400;\">\u00a0They reflect a fundamental shift in how businesses view their product offering: from a standalone product experience to a connected part of the financial services ecosystem.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">What used to require a banking license, a dedicated compliance team, and years of infrastructure work can now be assembled in months using modular APIs, BaaS providers, and well-architected integrations. My team has seen this firsthand across projects in e-commerce, logistics, B2B SaaS, and marketplace platforms. The question most clients are asking is no longer, &#8220;Should we embed financial features?&#8221; but &#8220;Which ones, in what order, and how do we build them right?&#8221;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff1a360 elementor-widget elementor-widget-shortcode\" data-id=\"ff1a360\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[blog_related_services post_in='190132,172273,187529' title='See what related services we offer']<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f2858d1 e-con-full e-flex e-con e-child\" data-id=\"f2858d1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86cbb77 elementor-widget elementor-widget-heading\" data-id=\"86cbb77\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is embedded finance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c717074 elementor-widget elementor-widget-text-editor\" data-id=\"c717074\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Embedded finance is the integration of financial products, be it payments, lending, insurance, accounts, or cards, directly into non-financial platforms and applications. Instead of redirecting a user to a bank or a third-party service, the platform handles the financial interaction natively, inside its own product experience.<\/span><\/p><p><span style=\"font-weight: 400;\">Think of a logistics SaaS platform that lets drivers receive instant payouts, or a B2B marketplace that offers working capital to sellers based on their transaction history. Neither is a fintech company in the traditional sense, but both deliver financial services as a core part of their product. That&#8217;s exactly what embedded finance is.<\/span><\/p><p><span style=\"font-weight: 400;\">The mechanism is typically a combination of:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94c2ad1 elementor-widget elementor-widget-text-editor\" data-id=\"94c2ad1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BaaS providers offering licensed financial infrastructure via API<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Open banking frameworks that standardize data access across institutions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regulatory frameworks that allow non-banks to offer financial products under licensed partnerships<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83ba006 e-con-full e-flex e-con e-child\" data-id=\"83ba006\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a386a7 elementor-widget elementor-widget-heading\" data-id=\"7a386a7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why embedded finance matters in <span id=\"current-year\">2026<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-253b983 elementor-widget elementor-widget-text-editor\" data-id=\"253b983\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The business case has never been clearer, and the numbers back it up. According to <\/span><a href=\"https:\/\/www.mordorintelligence.com\/industry-reports\/embedded-finance-market\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">Mordor Intelligence<\/span><\/a><span style=\"font-weight: 400;\">, the embedded finance market is projected to rise from around $156 billion in <span id=\"current-year\">2026<\/span> to $454 billion by 2031, growing at a CAGR of nearly 24%. It reflects demand that&#8217;s already well underway.<\/span><\/p><p><span style=\"font-weight: 400;\">From my perspective, the more important shift is on the user expectations side. People who book rides, manage inventory, or run freelance businesses through digital platforms increasingly expect financial services to meet them where they already are. Switching to a separate banking app to get paid, apply for credit, or manage insurance feels like friction that shouldn&#8217;t exist anymore. Moreover, AI is a game-changer for all of us.<\/span><\/p><p><span style=\"font-weight: 400;\">For businesses, embedding financial products means:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3dcf2e elementor-widget elementor-widget-html\" data-id=\"c3dcf2e\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n<ul class=\"blackUl\">\r\n     <li><b>New revenue streams<\/b> with margins that often exceed those of the core product<\/li>\r\n     <li><b>Stronger retention<\/b>, because users who hold funds or have credit relationships inside a platform are far less likely to leave<\/li>\r\n     <li><b>Richer data<\/b>, since every financial transaction feeds back into better product and risk decisions<\/li>\r\n   <li><b>Competitive differentiation<\/b>, since every financial transaction feeds back into better product and risk decisions<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1261e31 elementor-widget elementor-widget-text-editor\" data-id=\"1261e31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The enabling infrastructure (BaaS APIs, real-time payment rails, AI-driven underwriting) has matured to the point where building embedded financial features is faster and more reliable than it was even two years ago. That&#8217;s what makes <span id=\"current-year\">2026<\/span> a meaningful inflection point, at least from where I sit.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eaf0c1f e-con-full e-flex e-con e-child\" data-id=\"eaf0c1f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5b85fe6 e-con-full e-flex e-con e-child\" data-id=\"5b85fe6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d930af5 elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"d930af5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Planning embedded finance features?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55108ba e-con-full e-flex e-con e-child\" data-id=\"55108ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afe57fd elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget elementor-widget-html\" data-id=\"afe57fd\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc25ead elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"cc25ead\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to experts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62eb824 e-con-full e-flex e-con e-child\" data-id=\"62eb824\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4db524 elementor-widget elementor-widget-heading\" data-id=\"a4db524\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Top 5 embedded finance trends for 2026<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79b0528 e-con-full e-flex e-con e-child\" data-id=\"79b0528\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f40c518 elementor-widget elementor-widget-heading\" data-id=\"f40c518\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trend 1. AI and machine learning make embedded finance more predictive<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1da476c e-con-full e-flex e-con e-child\" data-id=\"1da476c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2c58b6 elementor-widget elementor-widget-text-editor\" data-id=\"f2c58b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The most consequential shift I&#8217;m tracking is the move from embedded finance as a transactional layer to embedded finance as a predictive one. AI and machine learning are driving this, and the practical applications are already in production.<\/span><\/p><p><b>Predictive analytics<\/b><span style=\"font-weight: 400;\"> lets platforms anticipate financial needs before users articulate them. A SaaS accounting platform, for example, can analyze a company&#8217;s cash flow patterns and offer a working capital product before a liquidity gap appears, not after the user notices a problem and starts searching for solutions.<\/span><\/p><p><b>AI-powered credit scoring<\/b><span style=\"font-weight: 400;\"> trained on platform-specific behavioral data consistently outperforms traditional bureau-based scoring in both accuracy and coverage. This matters especially for businesses and individuals underserved by legacy credit infrastructure, segments that have real creditworthiness but lack the paper trail traditional lenders require.<\/span><\/p><p><b>Fraud detection<\/b><span style=\"font-weight: 400;\"> is where ML has become table stakes. Real-time transaction monitoring with adaptive models catches anomalous patterns that rule-based systems miss, and false positive rates keep improving. For platforms processing high transaction volumes, this directly affects conversion and user trust.<\/span><\/p><p><b>Agentic AI<\/b><span style=\"font-weight: 400;\"> is worth calling out specifically as something to watch in <span id=\"current-year\">2026<\/span>. Autonomous AI agents handling routine treasury operations, payment scheduling, and financial reconciliation without human intervention are moving from pilot to production at a meaningful pace. My team is already fielding questions about this from clients in the B2B SaaS space. It changes the operational model significantly by reducing manual overhead on financial workflows.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-269dc9b e-con-full e-flex e-con e-child\" data-id=\"269dc9b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4e61c7 elementor-widget elementor-widget-heading\" data-id=\"a4e61c7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trend 2. DeFi and blockchain payments enter embedded finance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c524588 e-con-full e-flex e-con e-child\" data-id=\"c524588\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9577a52 elementor-widget elementor-widget-text-editor\" data-id=\"9577a52\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For a long time, blockchain&#8217;s role in embedded finance was more theoretical than practical. That&#8217;s changing, and I think the shift is more durable than previous cycles of blockchain enthusiasm.<\/span><\/p><p><b>Stablecoin-based payments and settlements<\/b><span style=\"font-weight: 400;\"> are the clearest near-term application. A global marketplace that needs to pay sellers across dozens of countries faces real friction with traditional rails: settlement delays, FX costs, and banking infrastructure gaps in certain regions. Embedding stablecoin payouts changes that calculation substantially.<\/span><\/p><p><b>Smart contracts<\/b><span style=\"font-weight: 400;\"> bring another dimension: programmable money that executes financial workflows automatically based on defined conditions. Key use cases include:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-760c884 elementor-widget elementor-widget-html\" data-id=\"760c884\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n<ul class=\"blackUl\">\r\n     <li>Escrow arrangements tied to delivery confirmation<\/li>\r\n     <li>Milestone-based payments in freelance and project platforms<\/li>\r\n     <li>Revenue-share agreements executed without manual intervention or intermediary risk<\/li>\r\n\r\n<\/ul>\r\n\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1440717 elementor-widget elementor-widget-text-editor\" data-id=\"1440717\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Tokenized assets<\/b><span style=\"font-weight: 400;\"> are still earlier in the adoption curve, but I expect them to become more relevant to embedded finance as platforms in real estate, supply chain finance, and private markets look for ways to bring traditionally illiquid assets into digital workflows.<\/span><\/p><p><span style=\"font-weight: 400;\">The practical consideration for most platforms is how to incorporate blockchain-based rails selectively, in cases where they solve a specific problem better than existing infrastructure. Cross-border payments are the most obvious current use case, but the scope will expand as regulatory clarity improves across markets.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed627e1 e-con-full e-flex e-con e-child\" data-id=\"ed627e1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8950d84 elementor-widget elementor-widget-heading\" data-id=\"8950d84\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trend 3. Super apps turn embedded finance into full financial ecosystems<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22cca56 elementor-widget elementor-widget-text-editor\" data-id=\"22cca56\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The super app model \u2014 one platform, multiple financial and non-financial services, tightly integrated \u2014 is no longer a phenomenon limited to Southeast Asian markets. My team is seeing the same logic applied across Western retail, mobility, and B2B platforms, just through different product categories.<\/span><\/p><p><span style=\"font-weight: 400;\">A mobility app is a good illustration of how this compounds:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea56b4 elementor-widget elementor-widget-html\" data-id=\"5ea56b4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n<ul class=\"blackUl\">\r\n     <li>Starts with ride booking and embedded payments\r\n<\/li>\r\n     <li>Adds driver wallets and instant payouts<\/li>\r\n     <li>Layers in insurance at the point of need<\/li>\r\n       <li>Introduces loyalty mechanics tied to spend<\/li>\r\n         <li>Eventually offers microloans based on driver income history<\/li>\r\n\r\n<\/ul>\r\n\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22eda05 elementor-widget elementor-widget-text-editor\" data-id=\"22eda05\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Each addition deepens the user relationship and increases switching costs in a way that a standalone ride-booking feature simply can&#8217;t.<\/span><\/p><p><span style=\"font-weight: 400;\">From an engineering standpoint, what makes this possible is composable financial infrastructure. Rather than building each product independently, platforms assemble capabilities from BaaS and API providers and orchestrate them inside a unified product experience. The <\/span><a href=\"\/finance\/fintech-development\/\"><span style=\"font-weight: 400;\">fintech development<\/span><\/a><span style=\"font-weight: 400;\"> work is increasingly about integration architecture and UX design, not just individual feature implementation.<\/span><\/p><p><span style=\"font-weight: 400;\">For <span id=\"current-year\">2026<\/span>, the interesting question isn&#8217;t whether platforms should add financial features. Most will. The question is which financial products make sense for a given user base, and how to sequence them in a way that builds trust without overwhelming users with options they didn&#8217;t ask for.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-308c419 e-con-full e-flex e-con e-child\" data-id=\"308c419\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-968070d elementor-widget elementor-widget-heading\" data-id=\"968070d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trend 4. Embedded lending becomes a native platform feature<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5e8ff elementor-widget elementor-widget-text-editor\" data-id=\"6a5e8ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lending has always been one of the most valuable financial products to embed, and in <span id=\"current-year\">2026<\/span> the technical and regulatory conditions for doing it well are better than they&#8217;ve ever been.<\/span><\/p><p><span style=\"font-weight: 400;\">In the <\/span><b>B2B context<\/b><span style=\"font-weight: 400;\">, the most compelling use case is working capital delivered inside a platform that already has visibility into a business&#8217;s financials. An e-commerce platform that can see a merchant&#8217;s sales history, order volume, and revenue trajectory has a fundamentally better picture of credit risk than a traditional lender working from tax returns and bank statements alone. That information advantage translates into faster approvals, better pricing, and products merchants actually want to use.<\/span><\/p><p><span style=\"font-weight: 400;\">Key embedded lending formats gaining traction right now:\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-507eccd elementor-widget elementor-widget-text-editor\" data-id=\"507eccd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"\/finance\/buy-now-pay-later\/\"><b>BNPL<\/b><\/a><b> (buy now, pay later) at checkout<\/b><span style=\"font-weight: 400;\"> \u2014 Klarna alone reports <\/span><a href=\"https:\/\/www.conversios.io\/blog\/bnpl-2025-boost-sme-ecommerce-conversions\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">30\u201335% improvement<\/span><\/a><span style=\"font-weight: 400;\"> in checkout conversions when BNPL is available, and merchants see average order values rise by 30\u201350%<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Merchant cash advances<\/b><span style=\"font-weight: 400;\"> tied to platform transaction history<br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Invoice financing<\/b><span style=\"font-weight: 400;\"> embedded inside procurement and B2B supply chain platforms<br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Working capital offers<\/b><span style=\"font-weight: 400;\"> surfaced natively inside SaaS tools that already manage a business&#8217;s operations<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-922453b elementor-widget elementor-widget-text-editor\" data-id=\"922453b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The common thread is alternative credit scoring based on platform data: behavioral signals, transaction patterns, operational metrics. <\/span><a href=\"https:\/\/www.superteamhq.com\/post\/embedded-lending-statistics\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">According to a Visa and PYMNTS survey<\/span><\/a><span style=\"font-weight: 400;\">, 43% of consumers already express strong interest in embedded lending solutions, and 56% of Gen Z consumers say they would switch platforms to access embedded lending. The demand is there, and the platforms that build the capability first will capture it.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-702fc8b e-con-full e-flex e-con e-child\" data-id=\"702fc8b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-01812c6 e-con-full e-flex e-con e-child\" data-id=\"01812c6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9b5497 elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"d9b5497\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Build secure payments, lending, and payouts faster<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f4fc69 e-con-full e-flex e-con e-child\" data-id=\"1f4fc69\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-209a5ec elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget elementor-widget-html\" data-id=\"209a5ec\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f203dc elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"5f203dc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Get a consultation <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a4ebeb5 e-con-full e-flex e-con e-child\" data-id=\"a4ebeb5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-039b05f elementor-widget elementor-widget-heading\" data-id=\"039b05f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trend 5. Real-time payments and payouts become a baseline expectation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-682805d elementor-widget elementor-widget-text-editor\" data-id=\"682805d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If I had to pick one trend that cuts across every vertical and platform type, it&#8217;s this one. Users, whether they&#8217;re gig workers, marketplace sellers, or content creators, no longer accept multi-day settlement as a reasonable default.<\/span><\/p><p><span style=\"font-weight: 400;\">The data makes this clear. <\/span><a href=\"https:\/\/www.worldpay.com\/en-GB\/insights\/articles\/gig-workers-payments-imperative\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">Research by Worldpay<\/span><\/a><span style=\"font-weight: 400;\"> shows that 67% of gig workers are willing to pay a fee for immediate access to their earnings. <\/span><a href=\"https:\/\/getborderless.com\/real-time-payments-empowering-the-gig-economy-workforce\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">A separate study<\/span><\/a><span style=\"font-weight: 400;\"> found that 81% of freelance and contract workers prefer instant payments, and 83% would pay for real-time payouts in emergency situations. These are mainstream expectations.<\/span><\/p><p><span style=\"font-weight: 400;\">The infrastructure to support this exists. Real-time payment rails are live in over 80 countries, and the technical components such as disbursement APIs, payment orchestration, and automated reconciliation are well established. The gap is usually on the implementation side: platforms that haven&#8217;t updated their payout architecture to take advantage of what&#8217;s now available.<\/span><\/p><p><span style=\"font-weight: 400;\">Areas my team focuses on when building real-time payout infrastructure:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d795409 elementor-widget elementor-widget-html\" data-id=\"d795409\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n\r\n<ul class=\"blackUl\">\r\n     <li><b>Payment orchestration<\/b> across multiple providers, currencies, and rails to minimize failed payments and optimize routing costs\r\n<\/li>\r\n     <li><b>Multi-currency support <\/b> so international users aren't forced through painful FX processes<\/li>\r\n\r\n       <li><b>Automated reconciliation<\/b>  that keeps finance teams from drowning in manual matching as transaction volume scales<\/li>\r\n         <li><b>Cross-border payout rails<\/b>  for platforms with globally distributed sellers or contractors<\/li>\r\n\r\n<\/ul>\r\n\r\n\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-01259d7 e-con-full e-flex e-con e-child\" data-id=\"01259d7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1770359 elementor-widget elementor-widget-heading\" data-id=\"1770359\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trend 6. Gen Z rewrites the B2C embedded finance playbook<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a13f510 elementor-widget elementor-widget-text-editor\" data-id=\"a13f510\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For Gen Z, embedded finance isn&#8217;t about convenience, it&#8217;s about alignment. This cohort expects financial products to reflect how they think about value, trust, and commerce, which is a fundamentally different design brief.<\/span><\/p><p><span style=\"font-weight: 400;\">Traditional BNPL conversion logic still works for older cohorts, but for digitally native consumers that model loses its appeal. The financial decision isn&#8217;t happening at checkout. It&#8217;s happening earlier, inside social environments, peer networks, and creator ecosystems. Embedded finance has to move upstream, which means products need to be discoverable inside the contexts where Gen Z actually decides: short-form video, community platforms, group commerce.<\/span><\/p><p><span style=\"font-weight: 400;\">The social dimension of spending also changes what personalization needs to mean. For this cohort, financial decisions are often social acts, influenced by peers and creators. Platforms that haven&#8217;t built for that dynamic will find embedded finance conversion lagging regardless of how well the underlying product works.<\/span><\/p><p><span style=\"font-weight: 400;\">Agentic AI fits naturally here. Gen Z would rather delegate financial admin entirely than manage it manually. But willingness to share behavioral data in exchange for automation is built on transparency, not just utility. Treating agentic AI as a pure efficiency play without addressing trust will create friction the technology alone can&#8217;t resolve.<\/span><\/p><p><span style=\"font-weight: 400;\">Platforms that rearchitect around social context, cross-channel presence, and user-agent trust in <span id=\"current-year\">2026<\/span> will be positioned to capture a consumer cohort that is large, engaged, and underserved by the current generation of embedded financial products.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ecfe9d e-con-full e-flex e-con e-child\" data-id=\"4ecfe9d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4b3e42 elementor-widget elementor-widget-heading\" data-id=\"a4b3e42\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Embedded finance use cases by industry\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7471c0 elementor-widget elementor-widget-text-editor\" data-id=\"f7471c0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The applications of <\/span><a href=\"\/finance\/embedded-finance\/\"><span style=\"font-weight: 400;\">embedded finance<\/span><\/a><span style=\"font-weight: 400;\"> vary significantly by vertical, but the underlying logic is consistent: financial products delivered inside a workflow users already trust convert better, retain users longer, and generate more durable revenue than standalone fintech alternatives. Here&#8217;s where I see the strongest traction right now.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a827cc e-con-full e-flex e-con e-child\" data-id=\"6a827cc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-928224f elementor-widget elementor-widget-heading\" data-id=\"928224f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">E-commerce<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4b29e6 elementor-widget elementor-widget-text-editor\" data-id=\"c4b29e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Embedded payments at checkout (cards, wallets, A2A)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BNPL and installment financing to reduce cart abandonment and lift average order value<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Product insurance offered at the point of sale<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92037e2 e-con-full e-flex e-con e-child\" data-id=\"92037e2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1c37c6 elementor-widget elementor-widget-heading\" data-id=\"e1c37c6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Marketplaces<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9cc7747 elementor-widget elementor-widget-text-editor\" data-id=\"9cc7747\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Split payments between platform and sellers with automated fee deduction<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seller wallets that hold and manage funds inside the platform<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instant payouts that make the platform more attractive to high-volume vendors<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94afe57 e-con-full e-flex e-con e-child\" data-id=\"94afe57\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffadbf7 elementor-widget elementor-widget-heading\" data-id=\"ffadbf7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">B2B SaaS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f94aace elementor-widget elementor-widget-text-editor\" data-id=\"f94aace\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Embedded lending and working capital tied to platform activity data<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invoicing tools and net terms built into the product workflow<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate cards and expense management as native features<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-578c170 e-con-full e-flex e-con e-child\" data-id=\"578c170\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a2cfd6 elementor-widget elementor-widget-heading\" data-id=\"1a2cfd6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Logistics<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a2aa85 elementor-widget elementor-widget-text-editor\" data-id=\"0a2aa85\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fuel cards linked to route and vehicle data<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shipment insurance priced dynamically based on cargo type and route risk<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Same-day driver payouts that settle immediately after delivery completion<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67bebf9 e-con-full e-flex e-con e-child\" data-id=\"67bebf9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77200cb elementor-widget elementor-widget-heading\" data-id=\"77200cb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Healthcare<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-230dd74 elementor-widget elementor-widget-text-editor\" data-id=\"230dd74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Patient financing options surfaced at scheduling or checkout<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time insurance eligibility checks before appointments<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Structured payment plans that reduce bad debt for providers without manual collections <\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-601cdd7 e-con-full e-flex e-con e-child\" data-id=\"601cdd7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b040d05 elementor-widget elementor-widget-heading\" data-id=\"b040d05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"> Travel<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef62a0 elementor-widget elementor-widget-text-editor\" data-id=\"4ef62a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-currency payment support for international bookings<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel insurance embedded in the booking flow at the point of decision<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instant refunds that don&#8217;t require users to chase a bank for days<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1275c25 e-con-full e-flex e-con e-child\" data-id=\"1275c25\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-322198d elementor-widget elementor-widget-heading\" data-id=\"322198d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Real estate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e99a2 elementor-widget elementor-widget-text-editor\" data-id=\"27e99a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rent payment infrastructure with automated landlord disbursements<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deposit management with transparent hold and release workflows<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Landlord wallets that consolidate property income across multiple units<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c43639 e-con-full e-flex e-con e-child\" data-id=\"9c43639\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a090c8d elementor-widget elementor-widget-heading\" data-id=\"a090c8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Education<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd313bf elementor-widget elementor-widget-text-editor\" data-id=\"fd313bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student financing and tuition installment plans surfaced at enrollment<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Subscription-style payment structures for ongoing courses or bootcamps<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92f62dc elementor-widget elementor-widget-image\" data-id=\"92f62dc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"478\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/scheme-1.png\" class=\"attachment-full size-full wp-image-198723\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/scheme-1.png 1000w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/scheme-1-300x143.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/scheme-1-768x367.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/07\/scheme-1-18x9.png 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf7cbab e-con-full e-flex e-con e-child\" data-id=\"cf7cbab\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dc67ce elementor-widget elementor-widget-heading\" data-id=\"4dc67ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits of embedded finance for businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7575197 e-con-full e-flex e-con e-child\" data-id=\"7575197\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-049cbf7 elementor-widget elementor-widget-text-editor\" data-id=\"049cbf7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When my team evaluates embedded finance opportunities with clients, the business case typically comes down to a few compounding benefits:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-561d5a6 elementor-widget elementor-widget-text-editor\" data-id=\"561d5a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Revenue diversification<\/b><span style=\"font-weight: 400;\">. Financial services, particularly lending and payments, often carry margins that exceed the core product. Platforms that monetize through embedded finance reduce dependence on subscription or transaction fee revenue.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>User retention<\/b><span style=\"font-weight: 400;\">. Switching platforms means losing financial history, credit relationships, and wallet balances. That stickiness is structural, not behavioral.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Data depth<\/b><span style=\"font-weight: 400;\">. Every financial transaction generates data about user behavior, cash flow, and risk profile that feeds back into better product decisions and more accurate underwriting.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Operational efficiency<\/b><span style=\"font-weight: 400;\">. Replacing manual financial workflows like invoice processing, payout runs, and reconciliation with embedded automated systems saves significant time as transaction volume scales.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Competitive positioning<\/b><span style=\"font-weight: 400;\">. In markets where core product experiences have converged, financial features are increasingly where differentiation is built. The platform that offers working capital, instant payouts, and embedded insurance has a meaningfully different value proposition than one that doesn&#8217;t.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fe4d47c e-con-full e-flex e-con e-child\" data-id=\"fe4d47c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8397502 e-con-full e-flex e-con e-child\" data-id=\"8397502\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66c8f3c elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"66c8f3c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Create a roadmap for embedded finance adoption<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-86d36e5 e-con-full e-flex e-con e-child\" data-id=\"86d36e5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79daaca elementor-absolute elementor-widget-mobile__width-inherit transform elementor-widget elementor-widget-html\" data-id=\"79daaca\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49186f2 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"49186f2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule a call <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76a0bc0 e-con-full e-flex e-con e-child\" data-id=\"76a0bc0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecd6307 elementor-widget elementor-widget-heading\" data-id=\"ecd6307\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Innowise can help with embedded finance development<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db214ca e-con-full e-flex e-con e-child\" data-id=\"db214ca\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33d8146 elementor-widget elementor-widget-text-editor\" data-id=\"33d8146\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">At Innowise, my team works with companies at different stages of embedded finance adoption, from platforms adding their first payment feature to organizations building multi-product financial ecosystems.<\/span><\/p><p><span style=\"font-weight: 400;\">Our work covers the full spectrum:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c8c97e elementor-widget elementor-widget-text-editor\" data-id=\"4c8c97e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment integration and orchestration across multiple rails and geographies<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"\/finance\/lending-software-development\/\"><span style=\"font-weight: 400;\">Lending<\/span><\/a><span style=\"font-weight: 400;\"> infrastructure, including underwriting models built on platform data<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">BaaS API integration and vendor selection<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compliance architecture for regulated financial products<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Data engineering that underpins credit scoring and fraud detection<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93b95cd elementor-widget elementor-widget-text-editor\" data-id=\"93b95cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A few things distinguish how I approach this work with clients. I don&#8217;t treat embedded finance as a single implementation problem. I see it as a product and technical strategy, and the right architecture depends on the platform&#8217;s user base, regulatory context, and existing data infrastructure. We bring that thinking in from the start, not after a scope has already been locked.<\/span><\/p><p><span style=\"font-weight: 400;\">We also have depth in <\/span><a href=\"\/finance\/\"><span style=\"font-weight: 400;\">fintech-specific engineering<\/span><\/a><span style=\"font-weight: 400;\"> that generalist development teams typically have to build from scratch. I mean real-time payment systems, financial data pipelines, risk modeling, and compliance tooling.<\/span><\/p><p><span style=\"font-weight: 400;\">If you&#8217;re evaluating where embedded finance fits in your product roadmap, or you&#8217;re already building and hitting specific technical or regulatory challenges, I&#8217;m happy to discuss what we&#8217;re seeing across the market.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b80ee0 e-con-full e-flex e-con e-child\" data-id=\"8b80ee0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a97c91 elementor-widget elementor-widget-heading\" data-id=\"7a97c91\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9dd306a e-con-full e-flex e-con e-child\" data-id=\"9dd306a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3250e8 faq elementor-widget elementor-widget-n-accordion\" data-id=\"e3250e8\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2380\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2380\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">  Why is embedded finance growing? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2380\" class=\"elementor-element elementor-element-f18639d e-con-full e-flex e-con e-child\" data-id=\"f18639d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed2addf elementor-widget elementor-widget-html\" data-id=\"ed2addf\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class='content'>\n <p>A few factors are converging simultaneously. API-based financial infrastructure has made it technically far simpler for non-financial platforms to offer financial products. Regulatory frameworks in many markets now support this without requiring platforms to become licensed banks. And user expectations have also shifted. People expect financial services where they already spend their time, not as a separate errand. The business case reinforces this: embedded financial products improve retention, generate new revenue, and increase the overall value a platform delivers to its users.\n<\/p>   \n<\/div> \n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2381\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2381\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between embedded finance and BaaS? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2381\" class=\"elementor-element elementor-element-7240951 e-con-full e-flex e-con e-child\" data-id=\"7240951\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11bb775 elementor-widget elementor-widget-html\" data-id=\"11bb775\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\n    .faq-list{\n        color: white;\n        font-family: Karla;\n        font-size: 18px;\n        line-height: 30px;\n    }\n    \n    .faq-list li:not(:last-child){\n        margin-bottom: 18px;\n        \n    }\n    \n    .faq .content-with-list{\n        gap: 18px;\n    }\n    \n    .faq .content-with-list p{\n        margin: 0 !important;\n    }\n    \n    @media (max-width: 767px){\n        .faq-list{\n        font-size: 14px;\n        line-height: 21px;\n    }\n    \n    .faq-list li:not(:last-child){\n        margin-bottom: 12px;\n        \n    }\n    .faq .content-with-list{\n        gap: 12px;\n    }\n    }\n<\/style>\n\n<div class=\"content\">\n    <p>\n        BaaS is the infrastructure layer: licensed banking capabilities exposed through APIs that other businesses can build on. Embedded finance is what you build using that infrastructure. BaaS is a means; embedded finance is the outcome. A platform uses BaaS providers to embed financial features into its product, but the two terms describe different layers of the stack. Think of BaaS as the wholesale layer and embedded finance as the retail experience built on top of it.\n    <\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2382\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2382\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are examples of embedded finance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2382\" class=\"elementor-element elementor-element-12c5e05 e-flex e-con-boxed e-con e-child\" data-id=\"12c5e05\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb6ca47 elementor-widget elementor-widget-html\" data-id=\"cb6ca47\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class='content'>\n <p>Some of the most recognizable examples include:\n<\/p>   \n<\/div> \n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6513ba elementor-widget elementor-widget-text-editor\" data-id=\"d6513ba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"faq-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NPL at checkout (Klarna, Affirm, Afterpay)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uber&#8217;s instant driver payouts<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shopify Capital offering working capital to merchants based on store sales<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apple Pay embedded in iOS apps<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Amazon&#8217;s seller financing program<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accounting software that offers invoice financing<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expense management platforms that issue corporate cards<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2383\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2383\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the main challenges of embedded finance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" fill=\"none\"><path fill=\"#C63031\" d=\"M19 8h2v24h-2z\"><\/path><path fill=\"#C63031\" d=\"M8 21v-2h24v2z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2383\" class=\"elementor-element elementor-element-d1326e9 e-flex e-con-boxed e-con e-child\" data-id=\"d1326e9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a84379 elementor-widget elementor-widget-html\" data-id=\"3a84379\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class='content'>\n <p>From my experience working across these projects, the challenges that come up most consistently are:\n<\/p>   \n<\/div> \n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-899e303 elementor-widget elementor-widget-text-editor\" data-id=\"899e303\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"faq-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory compliance<\/b><span style=\"font-weight: 400;\">. Financial products are heavily regulated, and requirements vary by product type, geography, and licensing structure. This requires careful legal and compliance work from the start.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Data quality and privacy<\/b><span style=\"font-weight: 400;\">. The data advantages that make embedded lending or fraud detection powerful are subject to data protection regulation, and the infrastructure to handle financial data securely is non-trivial to build correctly.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Integration complexity<\/b><span style=\"font-weight: 400;\">. Platforms working with multiple BaaS providers, payment rails, and legacy systems face real orchestration challenges that require solid engineering to manage reliably at scale.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>User trust<\/b><span style=\"font-weight: 400;\">. Adding financial features to a non-financial platform requires users to trust that platform with sensitive financial data and transactions. Earning that trust takes time and demands a product experience that handles financial interactions with the same care users expect from dedicated financial services.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Why is embedded finance growing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A few factors are converging simultaneously. API-based financial infrastructure has made it technically far simpler for non-financial platforms to offer financial products. Regulatory frameworks in many markets now support this without requiring platforms to become licensed banks. And user expectations have also shifted. People expect financial services where they already spend their time, not as a separate errand. The business case reinforces this: embedded financial products improve retention, generate new revenue, and increase the overall value a platform delivers to its users.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between embedded finance and BaaS?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"BaaS is the infrastructure layer: licensed banking capabilities exposed through APIs that other businesses can build on. Embedded finance is what you build using that infrastructure. BaaS is a means; embedded finance is the outcome. A platform uses BaaS providers to embed financial features into its product, but the two terms describe different layers of the stack. Think of BaaS as the wholesale layer and embedded finance as the retail experience built on top of it.\"}},{\"@type\":\"Question\",\"name\":\"What are examples of embedded finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Some of the most recognizable examples include:\\n   \\n \\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\tNPL at checkout (Klarna, Affirm, Afterpay)Uber&#8217;s instant driver payoutsShopify Capital offering working capital to merchants based on store salesApple Pay embedded in iOS appsAmazon&#8217;s seller financing programAccounting software that offers invoice financingExpense management platforms that issue corporate cards\"}},{\"@type\":\"Question\",\"name\":\"What are the main challenges of embedded finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"From my experience working across these projects, the challenges that come up most consistently are:\\n   \\n \\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\n\\t\\t\\t\\t\\t\\t\\t\\t\\tRegulatory compliance. Financial products are heavily regulated, and requirements vary by product type, geography, and licensing structure. This requires careful legal and compliance work from the start.Data quality and privacy. The data advantages that make embedded lending or fraud detection powerful are subject to data protection regulation, and the infrastructure to handle financial data securely is non-trivial to build correctly.Integration complexity. Platforms working with multiple BaaS providers, payment rails, and legacy systems face real orchestration challenges that require solid engineering to manage reliably at scale.User trust. Adding financial features to a non-financial platform requires users to trust that platform with sensitive financial data and transactions. Earning that trust takes time and demands a product experience that handles financial interactions with the same care users expect from dedicated financial services.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd91912 elementor-widget elementor-widget-shortcode\" data-id=\"cd91912\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[post_share]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39afb34 e-con-full tablePadding40 author-container e-flex e-con e-child\" data-id=\"39afb34\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-29bb8d6 e-grid e-con-full e-con e-child\" data-id=\"29bb8d6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ca525c elementor-widget elementor-widget-image\" data-id=\"9ca525c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/05\/Siarhei-Sukhadolski-10.png\" class=\"attachment-full size-full wp-image-197088\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/05\/Siarhei-Sukhadolski-10.png 100w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/05\/Siarhei-Sukhadolski-10-12x12.png 12w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d15845 e-con-full e-flex e-con e-child\" data-id=\"7d15845\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6128eaf e-con-full e-flex e-con e-child\" data-id=\"6128eaf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8946710 no-text-decoration elementor-widget elementor-widget-heading\" data-id=\"8946710\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/innowise.com\/authors\/siarhei-sukhadolski\/\">Siarhei Sukhadolski<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc24fc4 elementor-widget elementor-widget-image\" data-id=\"dc24fc4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/sergey-sukhodolskiy\/\" target=\"_blank\" rel=\"nofollow\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Social-icons-1.svg\" class=\"attachment-full size-full wp-image-181902\" alt=\"Linkedin icon\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3300b6 elementor-widget elementor-widget-text-editor\" data-id=\"a3300b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Chief Delivery Officer &amp; Head of Competence Center<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0fcf5e e-con-full e-flex e-con e-child\" data-id=\"d0fcf5e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff56182 text4String elementor-widget elementor-widget-text-editor\" data-id=\"ff56182\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Siarhei specializes in navigating high-stakes regulatory environments and complex delivery hurdles. He transforms abstract business requirements into secure, scalable architectures, ensuring that every project is technically sound and future-proofed against market shifts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af67e90 readMore elementor-widget elementor-widget-heading\" data-id=\"af67e90\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/innowise.com\/authors\/siarhei-sukhadolski\/\">Read more<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9de5a5e table-content-container e-con-full e-flex e-con e-child\" data-id=\"9de5a5e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-05c2ddb e-con-full stickyTable e-flex e-con e-child\" data-id=\"05c2ddb\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1bcc3b7 author-block e-con-full e-flex e-con e-child\" data-id=\"1bcc3b7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79476dc ddcv elementor-widget elementor-widget-html\" data-id=\"79476dc\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  .article-description > .e-con-inner {\r\n    align-items: baseline !important;\r\n    \/* align-items: flex-start !important; *\/\r\n  }\r\n\r\n  .stickyTable {\r\n    position: sticky;\r\n    top: 72px;\r\n    bottom: auto;\r\n  }\r\n<\/style>\r\n\r\n<!--NOTE Change data-id in wrapper styles for hide this block on the mobile device screen-->\r\n<div class=\"toc-wrapper\">\r\n  <h4 class=\"toc-title\">Table of contents<\/h4>\r\n  <div class=\"toc toc-2\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\n  document.addEventListener(\"DOMContentLoaded\", () => {\r\n    \/*-------------------------------\r\n    SETTING\r\n  --------------------------------*\/\r\n    const LINKS = {\r\n      \"Unleashing the power of .NET 8\": \"gggggg\",\r\n      \"Revamping legacy systems: unlocking business potential through software modernization\":\r\n        \"hello\",\r\n      \"Solution we delivered\": \"Solution\",\r\n    };\r\n\r\n    const OFFSET = 70; \/\/ \u043e\u0442\u0441\u0442\u0443\u043f \u043f\u0440\u0438 \u0441\u043a\u0440\u043e\u043b\u043b\u0435 \u043a \u0437\u0430\u0433\u043e\u043b\u043e\u0432\u043a\u0443\r\n\r\n    let headerElements = [];\r\n    let tocLinks = [];\r\n    \r\n    \/\/SET TOC HEIGHT\r\n    const setContainerHeight = () => {\r\n        const windowHeight = window.innerHeight;\r\n        const tocContainer = document.querySelector(\".ddcv\");\r\n    \r\n        tocContainer.style.maxHeight = \"calc(100vh - 230px)\";\r\n        tocContainer.style.minHeight = \"200px\";\r\n    };\r\n\r\n    \/*-------------------------------\r\n    CREATE TOC LIST\r\n  --------------------------------*\/\r\n    function createToc() {\r\n      const tocContainer = document.querySelector(\".toc.toc-2\");\r\n      const list = document.createElement(\"ul\");\r\n\r\n      \/\/ \u043d\u0430\u0445\u043e\u0434\u0438\u043c \u0432\u0441\u0435 h2 \u0432\u043d\u0443\u0442\u0440\u0438 .article-description\r\n      headerElements = [\r\n        ...document.querySelectorAll(\".article-description h2\"),\r\n      ];\r\n\r\n      \/\/ \u0438\u0441\u043a\u043b\u044e\u0447\u0430\u0435\u043c \u043b\u0438\u0448\u043d\u0438\u0435 h2 \u2014 \u043a\u0430\u043a \u0432 \u043e\u0440\u0438\u0433\u0438\u043d\u0430\u043b\u0435\r\n      const excluded = [\r\n        document.querySelector(\".related_content_blog_container h2\"),\r\n      ];\r\n      \/\/   headerElements = headerElements.filter((h) => !excluded.includes(h));\r\n\r\n      headerElements.forEach((header) => {\r\n        const textOriginal =\r\n          header.dataset.title?.trim() || header.textContent.trim();\r\n        const id =\r\n          header.id ||\r\n          textOriginal\r\n            .toLowerCase()\r\n            .replace(\/[^\\w ]+\/g, \"\")\r\n            .replace(\/ +\/g, \"-\");\r\n        header.id = id;\r\n\r\n        const li = document.createElement(\"li\");\r\n        const a = document.createElement(\"a\");\r\n\r\n        a.href = \"#\" + id;\r\n        a.textContent = LINKS[textOriginal] || textOriginal;\r\n\r\n        a.addEventListener(\"click\", (e) => {\r\n          e.preventDefault();\r\n          const y =\r\n            header.getBoundingClientRect().top + window.scrollY - OFFSET;\r\n          window.scrollTo({ top: y, behavior: \"smooth\" });\r\n        });\r\n\r\n        li.appendChild(a);\r\n        list.appendChild(li);\r\n      });\r\n\r\n      tocContainer.appendChild(list);\r\n      tocLinks = Array.from(list.querySelectorAll(\"li\"));\r\n    }\r\n\r\n    \/*-------------------------------\r\n    INTERSECTION OBSERVER\r\n    \u043a\u043e\u0440\u0440\u0435\u043a\u0442\u043d\u043e \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0435\u0442 \u0442\u0435\u043a\u0443\u0449\u0438\u0439 \u0437\u0430\u0433\u043e\u043b\u043e\u0432\u043e\u043a\r\n  --------------------------------*\/\r\n    function createObserver() {\r\n      const observerOptions = {\r\n        root: null,\r\n        rootMargin: \"0px 0px -60% 0px\",\r\n        threshold: 0, \/\/ \u0441\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u0435\u0442 \u043f\u0440\u0438 \u043f\u043e\u044f\u0432\u043b\u0435\u043d\u0438\u0438 \u0432 \u0437\u043e\u043d\u0435 \u0432\u0438\u0434\u0438\u043c\u043e\u0441\u0442\u0438\r\n      };\r\n\r\n      const callback = (entries) => {\r\n        entries.forEach((entry) => {\r\n          if (entry.isIntersecting) {\r\n            const id = entry.target.id;\r\n\r\n            tocLinks.forEach((li) =>\r\n              li.classList.remove(\"active\", \"pre-active\"),\r\n            );\r\n\r\n            const index = headerElements.findIndex((h) => h.id === id);\r\n\r\n            tocLinks.forEach((li, i) => {\r\n              if (i === index) li.classList.add(\"active\");\r\n              if (i < index) li.classList.add(\"pre-active\");\r\n            });\r\n          }\r\n        });\r\n      };\r\n\r\n      const observer = new IntersectionObserver(callback, observerOptions);\r\n      headerElements.forEach((h) => observer.observe(h));\r\n    }\r\n\r\n    \/*-------------------------------\r\n    LOAD IMAGES (\u0442\u0438\u043f\u043e lazy load fix)\r\n  --------------------------------*\/\r\n    function loadAllImages() {\r\n      document.querySelectorAll(\"img\").forEach((img) => {\r\n        const src = img.dataset.src || img.src;\r\n        img.src = src;\r\n      });\r\n    }\r\n\r\n    \/*-------------------------------\r\n    INIT\r\n  --------------------------------*\/\r\n    setTimeout(() => {\r\n      loadAllImages();\r\n      createToc();\r\n      setContainerHeight();\r\n      createObserver();\r\n    }, 300);\r\n  });\r\n<\/script>\r\n\r\n<style>\r\n  .table-content-container {\r\n    max-width: 300px;\r\n    width: 100%;\r\n    flex-shrink: 0;\r\n  }\r\n\r\n  .table-content-container .elementor-widget-wrap {\r\n    margin: 0 !important;\r\n    padding: 0 !important;\r\n  }\r\n\r\n  @media (max-width: 1279px) {\r\n    .table-content-container {\r\n      display: none !important;\r\n    }\r\n  }\r\n\r\n  .toc-wrapper {\r\n    display: flex;\r\n    flex-direction: column;\r\n    row-gap: 30px;\r\n    font-family: \"Karla\";\r\n    box-sizing: border-box;\r\n    \/* height: 100%; *\/\r\n\r\n    flex: 1;\r\n  }\r\n  .ddcv {\r\n    flex-basis: 100%;\r\n    flex-grow: 1;\r\n    flex-shrink: 1;\r\n    overflow-y: auto;\r\n  }\r\n\r\n  .toc-wrapper {\r\n    overflow-y: auto;\r\n    flex-shrink: 1;\r\n    flex-basis: 100%;\r\n    flex-grow: 1;\r\n  }\r\n\r\n  .toc-wrapper::-webkit-scrollbar,\r\n  .ddcv::-webkit-scrollbar {\r\n    position: absolute !important;\r\n    width: 4px !important;\r\n    background-color: #f5f5f7 !important;\r\n  }\r\n\r\n  .toc-wrapper::-webkit-scrollbar-thumb,\r\n  .ddcv::-webkit-scrollbar-thumb {\r\n    position: absolute !important;\r\n    background-color: #999999 !important;\r\n    border-radius: 4px !important;\r\n  }\r\n\r\n  .toc-wrapper .toc {\r\n    scrollbar-width: 4px !important;\r\n    scrollbar-color: auto !important;\r\n  }\r\n\r\n  h4.toc-title {\r\n    margin: 0;\r\n    font-family: Karla;\r\n    font-size: 22px;\r\n    line-height: 28px;\r\n    font-weight: 700;\r\n  }\r\n\r\n  @media screen and (max-width: 1279px) {\r\n    .ddcv {\r\n      margin-top: 0px;\r\n      position: absolute;\r\n      top: 0px;\r\n      left: 50%;\r\n      transform: translate(50%, 0);\r\n    }\r\n  }\r\n\r\n  @media screen and (max-width: 767px) {\r\n    .ddcv {\r\n      display: none;\r\n    }\r\n  }\r\n\r\n  .toc ul {\r\n    list-style: none;\r\n    font-family: \"Karla\";\r\n    font-size: 16px;\r\n    line-height: 22px;\r\n    padding: 0px;\r\n    border-left: 1px solid #717171;\r\n  }\r\n\r\n  .toc li {\r\n    margin-left: -1px;\r\n    margin-top: 0;\r\n    padding: 16px 16px 16px 20px;\r\n    font-size: 18px;\r\n    line-height: 22px;\r\n    color: #717171;\r\n    border-left: 2px solid transparent;\r\n  }\r\n\r\n  .toc ul li a {\r\n    display: block;\r\n    width: 100%;\r\n    color: inherit;\r\n    text-decoration: none !important;\r\n  }\r\n\r\n  .toc ul .active {\r\n    color: #2e2e2e;\r\n    border-left: 2px solid #c63031;\r\n  }\r\n\r\n  .toc ul .pre-active {\r\n    border-left: 2px solid #c63031;\r\n  }\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eab1d6c e-flex e-con-boxed e-con e-parent\" data-id=\"eab1d6c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87ab0d5 elementor-widget elementor-widget-shortcode\" data-id=\"87ab0d5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100240-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"100240\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/pt\/wp-json\/wp\/v2\/posts\/198722#wpcf7-f100240-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100240\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100240-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<style>\n.mailToContact br:nth-child(2){\ndisplay:none;\n}\n#form-templates .contact__info {\n  background-color: #f4f4f4;\n  padding: 70px 44px 70px 50px;\n  position: relative;\n  max-width: 540px;\n  width: 100%;\nborder: 1px solid #AEB1B7;\n}\n\n#form-templates .contact__info-background {\n  z-index: -1;\n  position: absolute;\n  top: 20px;\n  left: 20px;\n  width: 100%;\n  height: 100%;\n  border: 1px dashed #ef4557;\n}\n\n\n#form-templates .new-container{\ndisplay: flex;\njustify-content: space-between;\nflex-wrap: wrap;\n}\n\n\n#form-templates{\npadding: 100px 15px 100px 15px;        \n}\n\n#form-templates .contact__info-heading {\n  font-family: 'Sora' !important;\n  font-style: normal !important;\n  font-weight: 400 !important;\n  font-size: 36px !important;\n  line-height: 46px !important;\n  color: #2E2E2E !important;\n   margin-bottom: 60px !important;\n\n}\n\n\n#form-templates .message label{\ncolor: #585858 !important;   \n}\n\n.elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n font-size: 60px !important;\n  line-height: 70px !important;\n  font-family: \"Sora\", Sans-serif;\n  font-weight: 400;\n  margin: 0;  \n  margin-bottom: 20px;\n}\n\n\n\n\n.elementor-widget-container.form-template p{\n  font-family: \"Karla\", Sans-serif;\n  font-size: 22px;\n  font-weight: 400;\n  line-height: 28px;\n  color: var( --e-global-color-primary );\n  max-width: 700px;\n  margin: 0; \n  margin-bottom: 40px;\n} \n  \n\n\n.new-container #spinner{\nwidth: 50%;\nmax-width: 700px;\n}\n\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:30px; \n    \n}\n\n\n#form-templates .contact__info-heading {\n  margin-bottom: 67px;\n  font-size: 36px;\n  font-family: karla;\n  color:  #2E2E2E;\n\n  line-height: 49px;\n}\n\n#form-templates .contact__info-steps {\n  display: flex;\n  flex-direction: column;\n  max-width: 425x;\n  row-gap: 20px;\n  border-left: 1px solid #2e2e2e;\n}\n\n#form-templates .contact__info-block {\n  position: relative;\n  padding-left: 45px;\n}\n\n#form-templates .contact__info-block:last-child {\n  box-shadow: -1px 0 0 1px #f4f4f4;\n}\n\n#form-templates .contact__info-step {\n  position: absolute;\n  border: 1px solid #2e2e2e;\n  width: 40px;\n  height: 40px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  border-radius: 20px;\n  left: -20px;\n  top: -8px;\n  background-color: #F4F4F4;\n  color:  #2E2E2E;\n\nfont-family: Karla;\nfont-weight: 700;\nfont-size: 18px;\nline-height: 28px;\n\n}\n\n.elementor-widget-global .contact__info-step {\n        color:  #2E2E2E;\n}\n\n#form-templates .contact__info-text {\n  margin: 0;\n  font-size: 16px;\n  line-height: 26px;\n  color: #2E2E2E;\n  font-family: karla;\n\n  width: 100%;\n}\n\n\n#form-templates .contact-us__send{\nflex-shrink: 0;\nmargin-top:0;\n}\n\n\n\n@media screen and (max-width: 1279px) {\n    .new-container #spinner{\n        width: 100%;\n        max-width:100%;\n        margin-bottom:40px;\n    }\n    \n\n    .new-container .contact__info {\n        max-width: 700px !important;\n    }\n    \n}\n\n\n@media screen and (max-width: 1279px) {\n#form-templates{\npadding: 60px 15px 70px 15px;     \n}\n}\n\n\n\n@media screen and (max-width: 767px) {\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:20px; \n \n}\n\n\n  #form-templates .contact__info {\n    padding: 20px 20px 40px 40px;\n    margin: 0 auto;\n  }\n\n\n#form-templates{\npadding: 40px 15px 50px 15px;  \n    \n}\n\n  \n   .new-container #spinner{\n       \n    margin-bottom:30px;   \n   }\n   \n   \n   .elementor-widget-container #form-templates .form-template h2,.elementor-widget-container.form-template h1{\n   font-size: 32px !important;\n    line-height: 42px !important;    \n   }\n   \n   \n   .elementor-widget-container #form-templates .form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px !important;\n \n       \n   }\n   \n   #form-templates .contact__info-heading{\n   font-size: 24px !important;\n    line-height: 49px !important;    \n       \n   }\n   \n\n.mailToContact{\nmargin-top: 10px !important;        \n}\n\n   \n\n  #form-templates .contact__info-heading {\n    font-size: 24px;\n    margin-bottom: 37px;\n  }\n\n  #form-templates .contact__info-background {\n    top: 10px;\n    left: 10px;\n  }\n\n  #form-templates .contact__info-text {\n    font-size: 12px;\n    line-height: 20px;\n  }\n  \n  \n  #form-templates .contact__info-heading {\n   margin-bottom: 35px !important;\n\n}\n\n}\n\n@media (max-width: 767px) {\n    .mailToContact {\n        max-width: 100%;\n    }\n    .contact-us__wrapper .pp {\nfont-size: 12px !important;\nline-height: 140%;\nmargin-bottom: 0 !important;\n\n}\n}\n<\/style>\n\n<script>\nwindow.addEventListener('hashchange',function(e){if(window.history.pushState){window.history.pushState('','\/',window.location.pathname)}else{window.location.hash=''}})\n<\/script>\n\n\n<div id=\"form-templates\">\n<div class=\"elementor-widget-container form-template\">\n<a name=\"contact-form\"><\/a>\n<h2>Contact us<\/h2>\n<p><a id=\"calendlylink\" style=\"color: #c63031; border-bottom: 1px solid #c63031; padding: 0;\">Book a call<\/a> or fill out the form below and we\u2019ll get back to you once we\u2019ve processed your request.<\/p>\n<\/div>\n\n<div class=\"new-container\">\n\n\n<div class=\"contact-us__main\" id=\"spinner\" data-no-defer=\"1\">\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"name\">\n<label>Name<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"field_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__name\" id=\"contact-name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"field_name\" \/><\/span>\n<\/div>\n\n<div class=\"company\">\n<label>Company<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__company\" id=\"contact-company\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"company\" \/><\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"email\">\n<label>Email<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email contact-us__email\" id=\"contact-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/div>\n\n<div class=\"phone\">\n<label>Phone<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel contact-us__phone\" id=\"contact-phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/div>\n\n<\/div>\n<div class=\"contact-us__wrapper subj\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-recipient\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-subj_js\" aria-invalid=\"false\" name=\"your-recipient\"><option value=\"\">Subject*<\/option><option value=\"IT staff augmentation\">IT staff augmentation<\/option><option value=\"Turnkey product development\">Turnkey product development<\/option><option value=\"Support and enhancement\">Support and enhancement<\/option><option value=\"Careers\">Careers<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-field-budget_js\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-budget_js\" aria-invalid=\"false\" name=\"form-field-budget_js\"><option value=\"\">Project budget<\/option><option value=\"Under $15K\">Under $15K<\/option><option value=\"$15K-$30K\">$15K-$30K<\/option><option value=\"$30K-$100K\">$30K-$100K<\/option><option value=\"$100K-$250K\">$100K-$250K<\/option><option value=\"$250K-$500K\">$250K-$500K<\/option><option value=\"More than $500K\">More than $500K<\/option><\/select><\/span>\n\n<\/div>\n\n\n<div class=\"message\">\n<label>Message<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"1\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required contact-us__message\" id=\"contact-message\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Describe your needs in detail*\" name=\"message\"><\/textarea><\/span>\n<\/div>\n\n<div class=\"atvoice-wrap\">\n\n<div class=\"voice-wrap\">\n<span id=\"voice-mut\" class=\"voicetext\">Send us a voice message<\/span>\n         <div class=\"qc_voice_audio_wrapper\">\n            <div class=\"qc_voice_audio_container\">\n                <div class=\"qc_voice_audio_upload_main\" id=\"qc_audio_main\">\n                    <a class=\"qc_audio_record_button\" id=\"qc_audio_record\" href=\"#\" aria-label=\"Record an audio message\">\n                        <span class=\"dashicons dashicons-microphone\"><\/span> \u00a0<\/a> \n                <\/div>\n\n                <div class=\"qc_voice_audio_recorder\" id=\"qc_audio_recorder\" style=\"display:none\">\n\n                <\/div>\n                <div class=\"qc_voice_audio_display\" id=\"qc_audio_display\"  style=\"display:none\">\n                    <audio id=\"qc-audio\" controls src=\"\"><\/audio>\n                    <span title=\"Remove and back to main upload screen.\" class=\"qc_audio_remove_button dashicons dashicons-trash\"><\/span>\n                <\/div>\n            <\/div>\n            <input type=\"hidden\" value=\"\" name=\"qcwpvoicemessage\" id=\"qc_audio_url\" \/>\n        <\/div>\n        \n<\/div>\n\n\n<div class=\"attach-wrap\">\n<span class=\"voicetext\">Attach documents<\/span>\n\n<div class='attachment'>\n\n<div class=\"downloaded\">\n<span><\/span>\n<div class=\"deleteFile\"><\/div>\n<\/div>\n\n<div class=\"attachmentButton\" onclick=\"(function cl(e){if(e.target.nodeName == 'DIV'){e.target.parentNode.children[1].children[0].click(); }})(arguments[0]);\">\n\n<div class=\"innerText\">Upload file<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"att-files\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file\" accept=\".jpg,.png,.jpeg,.pdf\" aria-invalid=\"false\" type=\"file\" name=\"att-files\" \/><\/span>\n\n<div class=\"tip\" onclick=\"event.stopPropagation()\">\n<p>You can attach 1 file up to 2MB. Valid file formats: pdf, jpg, jpeg, png.<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<\/div>\n\n<div class=\"contact-us__wrapper\"> \n<p class=\"pp\">By clicking Send, you consent to Innowise processing your personal data per our<a href=\"\/privacy-notice\/\"> Privacy Policy <\/a>to provide you with relevant information. By submitting your phone number, you agree that we may contact you via voice calls, SMS, and messaging apps. Calling, message, and data rates may apply.<\/p>\n\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"scoring_point\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmCampaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmContent\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmMedium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmSource\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmTerm\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"location\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"city\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ip\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"Summ\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"rating\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlCompany\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlWithParams\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"audioMessageLink\" \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner contact-us__send\" id=\"contact-send-button\" type=\"submit\" value=\"Send\" \/>\n<\/div>\n\n<div class='mailToContact'>You can also send us your request <\/br>to <a href=\"mailto:contact@innowise.com\">contact@innowise.com<\/a><\/div>\n\n<\/div>\n\n<div class=\"elementor-widget-container\" style=\"z-index:1;\">\n<div class=\"contact__info\">\n  <div class=\"contact__info-background\"><\/div>\n  <div class=\"contact__info-heading\">What happens next?<\/div>\n  <div class=\"contact__info-steps\">\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">1<\/div>\n      <p class=\"contact__info-text\">Once we\u2019ve received and processed your request, we\u2019ll get back to you to detail your\n        project needs and sign an NDA to ensure confidentiality.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">2<\/div>\n      <p class=\"contact__info-text\">After examining your wants, needs, and expectations, our team will devise a project\n        proposal with the scope of work, team size, time, and cost estimates.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">3<\/div>\n      <p class=\"contact__info-text\">We\u2019ll arrange a meeting with you to discuss the offer and nail down the details.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">4<\/div>\n      <p class=\"contact__info-text\">Finally, we\u2019ll sign a contract and start working on your project right away.<\/p>\n    <\/div>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"related_content_blog_container\">[related_content_list]<\/div><script>\n            jQuery( document ).ready(function($) {\n            var parentSection = $('[data-elementor-type=\"wp-page\"]');\n            if($('[data-elementor-type=\"wp-post\"]').length){\n                var parentSection = $('[data-elementor-type=\"wp-post\"]');\n            }\n            \n                parentSection.children().last().before($('.related_content_blog_container'));\n            });\n            <\/script><div class=\"other_services_container\">[need_other_services_v2]<\/div><script>\n                    jQuery( document ).ready(function($) {\n                        var parentSection = $('[data-elementor-type=\"wp-page\"]');\n                        if($('[data-elementor-type=\"wp-post\"]').length){\n                            var parentSection = $('[data-elementor-type=\"wp-post\"]');\n                        }\n                        \n                        console.log(parentSection);\n                        parentSection.children().last().before($('.other_services_container'));\n                        var sections = parentSection.find('.net-15.dt-16');\n                        for(var i = 0; i<sections.length; i++){\n                            if($(sections[i]).hasClass( 'net-15' ) && $(sections[i]).hasClass( 'dt-16' ) && $(sections[i]).hasClass( 'elementor-hidden-desktop' )==false){\n                                $(sections[i]).before($('.other_services_container'));   \n                            }\n                        }\n                        \n                    });\n                <\/script>","protected":false},"excerpt":{"rendered":"<p>Main About us Blog Embedded finance trends : what\u2019s next for payments, lending and banking Siarhei Sukhadolski Jul 5, 2026 10 min read [summarize_button_ai] Key takeaways AI is shifting embedded finance from reactive to predictive Blockchain and stablecoins are moving from experimental to practical Super apps are raising the bar for what users expect Embedded [&hellip;]<\/p>\n","protected":false},"author":97,"featured_media":198724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"categories":[128,1245],"class_list":["post-198722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-siarhei_sukhadolski_author","tag-banking","tag-fintech","tag-it-consulting"],"acf":[],"_links":{"self":[{"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/posts\/198722","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/comments?post=198722"}],"version-history":[{"count":0,"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/posts\/198722\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/media\/198724"}],"wp:attachment":[{"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/media?parent=198722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/categories?post=198722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innowise.com\/pt\/wp-json\/wp\/v2\/tags?post=198722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}