Fintech & Consumer Tech: The Future of Payments & Embedded Finance

The payment revolution no longer happens in banks—it happens in the environments where we live, play, shop, and move. Embedded finance is redefining the relationship between consumers and money: payment is no longer a conscious act, but an automated, invisible, and contextual process. From “Buy Now Pay Later” to voice payments, and including wallets integrated into apps, cars, wearable devices, or conversational interfaces, the financial experience merges with the usage experience.
This transformation not only affects user friction. It redefines who controls the transaction, what data is extracted from it, and how platforms—from e-commerce and mobility to gaming, health, or content—become new financial actors. In this new landscape, fintechs don’t just compete with banks: they collaborate with manufacturers, integrators, developers, and experience designers.