About Fintech Providers

The Quiet Revolution Nobody Warned You About

Something strange is happening in finance. Banks are losing—not to other banks, not to regulators, not to recessions. They're losing to Uber, to Shopify, to the grocery store down the street. And most businesses haven't even noticed.

While traditional financial institutions spent decades building moats of complexity, a $7 trillion opportunity slipped through their fingers. Every company—yours included—now has the infrastructure to become a financial services provider. The question isn't whether this transformation will reach your industry. It's whether you'll be the one offering these services, or watching your competitors do it first.

That's why we built FintechProviders. Because embedded finance isn't a trend. It's an extinction event for those who ignore it.

The Numbers That Should Keep You Up at Night

The embedded finance market is projected to explode from $146 billion in 2025 to over $690 billion by 2030. That's a compound annual growth rate of 36.41%. For context, that's faster than the early internet. Faster than mobile adoption. Faster than social media's rise.

But here's what those numbers don't tell you: the companies capturing this value aren't financial institutions. They're retailers. Logistics companies. SaaS platforms. They're businesses that looked at their customer relationships and asked a simple question—what if we could serve them financially too?

Why Your Business Is Already a Financial Services Company

Think about every transaction you process. Every subscription you manage. Every customer who trusts you enough to enter their payment details. You're already handling financial moments. You're just not capturing the value from them.

When Shopify started offering merchant loans, they weren't becoming a bank. They were monetising relationships they already owned. When Uber launched instant driver payments, they weren't building a fintech. They were solving a pain point with data they already possessed.

The infrastructure exists. The customers are waiting. The only missing piece is the bridge between intention and implementation.

What FintechProviders Actually Is

FintechProviders is a curated directory of embedded finance solutions. We've done what would take your team months—vetting, categorising, and organising the providers who can transform your business into a financial services enabler.

We cover the full spectrum of embedded finance categories:

• Banking-as-a-Service — Give your users branded checking accounts, debit cards, and instant access to funds. The same capability that lets Lyft drivers get paid per ride instead of waiting weeks for lump sum payments.
• Embedded Lending — Pre-underwrite customers using your proprietary data. Turn credit from a product you refer out into a revenue stream you control.
• Insurance & Benefits Integration — Offer protection at the moment of purchase. No applications, no waiting, no friction—just coverage when customers need it most.
• Payment Infrastructure — Move beyond payment processing as a cost centre. Transform it into a profit engine with embedded payments that increase conversion and customer lifetime value.
• Payroll Solutions — For platforms serving businesses, embedded payroll creates stickiness that competitors can't easily replicate.

We hand-picked every provider in our directory. No pay-to-play listings. No sponsored positions disguising themselves as recommendations. Just the companies that can actually help you capture your share of the embedded finance revolution.

The Real Problem We're Solving

Embedded finance is hard. Let's not pretend otherwise.

There are dozens of contracts to navigate. Regulatory approvals that vary by jurisdiction. Technical integrations that need to play nicely with your existing stack. Compliance frameworks that change depending on what you're offering and where you're offering it.

Most businesses hit one of two walls. Either they drown in complexity—paralysed by the sheer number of decisions required to move forward. Or they pick the wrong partner and spend years recovering from an integration that never delivered on its promise.

FintechProviders exists to collapse the decision timeline. We've already done the research. We've categorised providers by capability, industry focus, geographic coverage, and integration complexity. We've identified which solutions work for startups and which require enterprise-scale operations.

Who This Directory Is Actually For

FintechProviders serves three audiences exceptionally well:

• Product Managers who've been handed the mandate to "explore embedded finance" without a roadmap. You need to move from concept to shortlist fast, and you can't afford to recommend a provider that falls apart in procurement.
• Founders and Business Owners who recognise the opportunity but lack the internal expertise to evaluate providers. Your competitive advantage isn't fintech knowledge—it's your industry expertise and customer relationships. We handle the fintech intelligence so you can focus on what you do best.
• Technical Decision-Makers who need to assess integration complexity before committing resources. Not every embedded finance provider plays well with modern architectures. We surface the technical considerations that matter.

The Strategic Shift Happening Right Now

Here's what we're watching closely.

Asia-Pacific's largest tech platforms, retailers, and logistics firms are embedding payments, lending, insurance, and wealth tools into their customer experiences at an unprecedented pace. The drivers are clear: margin expansion, customer stickiness, and massive data advantages.

As regulation liberalises and fintech infrastructure matures, non-financial firms are claiming financial real estate that banks used to own by default. This isn't about launching a credit card for brand affinity. This is vertical integration of entire value chains.

Embedded finance reduces friction, builds proprietary data assets, and opens revenue pools that didn't exist a decade ago. Done right, it doesn't just improve your business model. It transforms it entirely.

Three Things We Want You to Walk Away Understanding

First: Identify the financial touchpoints in your customer journey. These are high-leverage areas for embedded monetisation. If customers already trust you with their payment details, they'll trust you with adjacent financial services.

Second: Partner with infrastructure providers to move fast without banking licenses. You don't need to become a regulated financial institution to offer financial services. That's precisely what embedded finance enables.

Third: Treat financial services not as a side project but as a strategic layer of your technology stack. Companies that bolt on embedded finance as an afterthought get afterthought results. Companies that integrate it into their core value proposition build lasting competitive moats.

The Competitive Reality

The companies that successfully implement embedded finance create significant advantages over competitors relying on traditional financial service partnerships. Seamless integration of financial services becomes a key differentiator that influences customer acquisition and retention decisions.

Early movers in embedded finance often establish market positions that are difficult to challenge. The data advantages compound. The customer relationships deepen. The switching costs increase with every financial touchpoint you add.

Wait too long, and you're not just playing catch-up on capability. You're playing catch-up on data, relationships, and market position. That's a race most companies lose.

What We Believe

We believe the embedded finance revolution will turn every company into a financial services provider. Not might. Will.

The only variable is timing. Some companies will lead this transformation. Others will be transformed by it. The former will capture value. The latter will watch it flow to competitors.

Fintech is hard. We make it accessible. We make it embeddable. We make it possible for businesses to take their share of a market that's growing at 36% annually.

Start Here

Browse our directory. Explore providers by capability, industry, or integration complexity. Find the partners who can help you capture financial real estate before someone else does.

Suggest a provider we should include, or partner with us to reach decision-makers actively exploring embedded finance.

The embedded finance revolution isn't waiting. Neither should you.

FintechProviders is a curated directory helping non-financial brands become financial service providers. We believe in substance over hype, vetted recommendations over paid placements, and practical guidance over theoretical frameworks.

The future of finance isn't banks. It's every company that recognises the opportunity and acts on it.

Questions? Get in touch.