The Future Of Money: A Complete Revolution

Rather than interpreting fintech's job as bringing Old World institutions online, embedded finance modularizes financial functions. Rather than directly involving a bank, payments can be made across the web through embedded tools like Stripe, Adyen, PayPal, and Square.

However we are now seeing the rise of “embedded fintech.” Rather than standalone applications, financial features are being embedded into all of the consumer and business applications that people are using already.

Brief: Banks are increasingly replaceable. "Embedded finance" makes it easy to deliver financial services in context. Over time, that may result in money gravitating towards influencer-run financial institutions. This could have significant ramifications for how society manages its surplus.