Embedded everything: Brands as banks, BNPL, digital identity and the future of frictionless finance

from Converge · host Convera

Embedded finance is on a tear. McKinsey estimates the US market for embedded finance reached $20 billion in revenue in 2020, with Oracle seeing valuation reaching $7 trillion in the next 10 years. We sat down with legendary fintech thought-leader and influencer David Birch, Lisa Scott, EU CEO of global real-time payments network Banked, and Miroslava Betinova, head of fintech at Griffin, an API-first full-service bank to get the low-down on the future of embedded services, including the controversy and successes of Buy Now Pay Later (BNPL), digital identity, the future potential dominance of 100% digital banks, brands as banks and payments providers, the irrelevancy of physical banks, and more.

What this episode covers

NOW PLAYING

0:00 26:25

1×

No transcript for this episode yet

We transcribe on demand. Request one and we'll notify you when it's ready — usually under 10 minutes.

Share this episode

Similar Episodes

Biblical Shroud Answers

Jul 6, 2026 ·59m

Jean Coprise: How Pain Started My Content Creation Journey | Miss Tourism Uganda & Personal Branding

Jul 6, 2026 ·82m

Shroud Legal Evidence

Jul 3, 2026 ·62m

How Bullying Shaped My Purpose | Kimberly Jael on Youth Empowerment & Miss Universe Uganda

Jul 1, 2026 ·77m

Live from Hack Club Stasis: The Teenage Hardware Frontier Lands in Austin

Jun 30, 2026 ·40m

Episode 342: Offense or Accountability?

Jun 30, 2026 ·24m

Similar Podcasts

Hyperfluent Hypio Hyperfluent transmits straight from the heart of Hyperliquid, where culture, creativity, and capital converge. Anchored by the architects of Hypio—the decentralized cultural virus—each episode archives the minds engineering the blockchain built to house all finance. These conversations are traceable artifacts in HyperEVM’s evolution: not just what’s being built, but why it matters, how it mutates, and where it’s taking us next. Listen in for the blueprints, the blind spots, and the narrative weapons shaping tomorrow’s markets.Hyperfluent: learn the language, ride the wave, spread the strain. Supreme Court Justices Supme All advertisements are placed at the beginning of each episode, ensuring you experience Supreme Court Justices without interruptions. No mid-episode advertising cuts, no breaks in our judicial coverage. Just press play, and let the Supreme Court analysis unfold uninterrupted.When the gavel strikes and Supreme Court justices take the bench, history unfolds. Supreme Court Justices is where the Supreme Court of America becomes essential conversation, where America Supreme Court decisions shape society, and where every ruling—from latest Supreme Court decisions to historic judgments by first Supreme Court justices—receives the analysis it deserves. This is where Supreme Court of U.S. authority meets constitutional interpretation, where justice on the Supreme Court and the Supreme Court of U.S. tradition converge.We explore everything that makes the Supreme Court vital to democracy. From breaking Supreme Court today judgment coverage to analyzing Supreme Court latest Oliver Bardwell Podcast Oliver Bardwell Welcome to ”The Oliver Bardwell Podcast,” where insightful conversations converge. Join me, Oliver Bardwell, author, speaker, and seeker of wisdom, as I engage in thought-provoking dialogues that span spirituality, unity, and diverse perspectives. Delve into respectful discussions with legislators, doctors, education experts, and guests from every corner of life, as we explore a myriad of intriguing topics. From the heart of Iowa to the world, let’s embark on a journey of discovery and understanding together. Day 6 Ranch Jason Swick Day 6 Ranch is where the western and warrior worlds converge. We create opportunities through the western industry for our worlds warriors to pursue purpose, optimize potential and prevail in peace. Day 6 Ranch Podcast shares testimonies from all aspects of the equine industry that will inspire you to develop the legacy worthy lifestyle you were designed to live!!!We encourage you to visit www.day6ranch.com to stay connected through our monthly newsletter, explore our free content and capitalize on opportunities to develop your ability to lead, while optimizing your potential! Stay in the fight and we'll see you on the next one!!!

Frequently Asked Questions

How long is this episode of Converge?

This episode is 26 minutes long.

When was this Converge episode published?

This episode was published on June 7, 2023.

What is this episode about?

Can I download this Converge episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.

URL copied to clipboard!