Enabling Embedded Finance at Scale
Tech Mahindra helps financial institutions to integrate their products and services into the digital platforms or applications of non-financial service businesses. Our team has deep expertise in building embedded finance applications for banks across North America in both the B2B2C space—for retail customers—and the B2B2B segment, catering to business and institutional buyers.More
Tech Mahindra helps financial institutions to integrate their products and services into the digital platforms or applications of non-financial service businesses. Our team has deep expertise in building embedded finance applications for banks across North America in both the B2B2C space—for retail customers—and the B2B2B segment, catering to business and institutional buyers. We leverage our experience across all stages of application development, helping financial institutions to accelerate delivery and deployment of embedded financing applications and achieve faster time-to-market.
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The Embedded Finance Imperative
Banking continues to evolve in response to changing customer behaviors, rapid technological advancements, and increasing digital adoption by financial institutions. With the rise of mobile banking and the shift toward open digital infrastructure, customers now expect financial services to be available exactly when and where they need them, without relying on branches or traditional banking channels. Embedded finance meets this demand by integrating financial services into non-financial platforms. The approach enables banks to build direct partnerships with businesses and unlock new revenue through fees.
Furthermore, embedded finance provides banks with the opportunity to leverage the data gathered to enhance customer service and innovate with new products and services.
Key Highlights of Our Solution
Tech Mahindra has developed a suite of pre-built components and accelerators based on global experience in embedded finance implementations. These ready-to-use assets help financial institutions accelerate project delivery and significantly reduce time-to-market. Our key pre-built solution components across the SDLC include:
UX and Visual Design
Improves design efficiency by 50–65% through a comprehensive library of user journeys and tailored experience maps.
UI Development
Increases UI development productivity by 15–25% with a reusable atomic design toolkit for embedded finance specific interfaces.
Architecture
Enables modular, scalable solutions with reference functional and technical architectures, delivering 40–50% efficiency gains.
Microservice Design & Development
Boosts development speed by 15–25% using a curated set of microservices with well-defined APIs and service contracts.
Our Solution Benefits
Embedded financing creates value across the ecosystem, benefiting financial institutions, businesses, and customers alike. Here’s how each stakeholder benefits from embedded financing:
- Financial Institutions: Banks can access new markets and distribution channels by partnering with third-party platforms to deliver integrated financial services. These collaborations generate additional revenue, unlock valuable data insights, and enable more personalized cross-sell and up-sell opportunities.
- Businesses: Embedding financial services within existing customer experiences of businesses increases lifetime value, boosts conversion, and enhances retention by adding value throughout the customer journey. This also offers a strategic entry point for firms into regulated financial services markets.
- Customers: Embedded financial services save time for individuals and businesses by simplifying access to tailored, competitively priced solutions. Our services aim to deliver a seamless digital experience by eliminating the need to switch between banks and online platforms.
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