Business Models in Embedded Finance👇

#kpmg mapped them out in 6️⃣ categories:

1️⃣ #b2c: The so-called retail business model with consumers at the receiving end and marketplaces, e-commerce platforms, and other apps on the distribution side.

2️⃣ #b2b: Non-FS players offer financial services (e.g., payments, lending, inventory financing, working capital financing, insurance) to other businesses or merchant platforms.

3️⃣ #b2b2c: Here we have the introduction of an additional business layer in the value chain in the form of a fintech or technology provider. Example: an insurtech working with a furniture retailer to offer product insurance to the retailer’s customers.

4️⃣ #b2b2b: similar to the B2C side a technology provider is integrated into the model

5️⃣ #c2c: This model involves embedding financial services (i.e. payment options) into C2C marketplaces or #p2p platforms.

6️⃣ #g2g: This involves embedding FS between government relationships, i.e. tax payments between levels of government.

Source Graphic: Panagiotis Kriaris
#embeddedfinance #embeddedbanking #embeddedfintech #openbanking #fintech #financialtechnology #fintechindustry #payments #paytech #digitalbanking