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The financial environment is being transformed by embeddable fintech.
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Fintech is being built and leveraged like never before by forward-thinking businesses like Orum, fueled by broad breakthroughs in corporate technology and wider access to financial services and data previously reserved for legacy banks.
I’ve been able to contribute to this advancement as an investor, and I’ve witnessed personally the benefits that fintech solutions can provide when used successfully.
In this post, I look at four trends that show how fintech technologies are revolutionizing the financial landscape and streamlining the user experience.
1. Infrastructure that can be embedded
Fintech used to be its own business model. Companies from all industries are already incorporating pre-built financial solutions into their software, which are offered through modern APIs.
Embeddable fintech is a rapidly expanding sector, with sales predicted to hit about $230 billion in 2025 in the United States alone, up from $22.5 billion in 2020.
It’s simple to understand why. Consumers, small businesses, and even organizations want rapid, smooth financial experiences in our on-demand economy. As a result, software businesses are increasingly depending on fintech infrastructure to provide embeddable solutions that allow them to supply services like payments and lending directly through their digital platforms without having to construct their own infrastructure.
Finix, for example, provides embeddable payment-processing technologies that allow businesses to accept, handle, and monetize payments in-house rather than referring customers to a third-party source like PayPal and losing money.
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Wisetack provides consumer financing solutions that can be embedded and handle loan applications at the point of sale. Customers can choose from a number of payment options, while merchants are paid immediately.
Consumers will find it easier and more economical to acquire products and services thanks to embeddable fintechs like these, while businesses will gain access to a whole new customer base.
2. Fintech Embedded Vertical Software
Vertical enterprises have been able to apply fintech advances to their unique industry thanks to breakthroughs in embeddable infrastructure.
Passport, a SaaS firm that works with transit authorities to manage public parking, is one example. Finix is used by Passport to generate a digital wallet for each user, which allows them to pay for and track parking sessions without ever leaving the Passport app.
Not only does this minimize friction and improve user experience, resulting in increased customer happiness, loyalty, and lifetime value, but it also allows Passport to own the financial services that drive its company and solve industry-specific concerns in-house. Finix allows Passport to aggregate charges into a single transaction instead of producing several checkouts, card authorizations, and fees when users prolong their parking.
Every organization will have the opportunity to be a financial innovator as businesses mobilize fintech capabilities across new sectors, making the fintech industry richer than ever.
3. Machine Learning in Practice
User-permissioned access to financial data such as payroll and cash flow has been facilitated through public-sector initiatives such as open banking and private players such as Plaid. Companies are now evaluating this abundance of data using the most up-to-date machine-learning algorithms in order to acquire a better understanding of customer behavior and business indicators.
Predictive capabilities are invaluable in any industry, but they’re especially important in the high-stakes financial sector. Take OnDeck, a digital platform for small business loans, for example. According to certain assessments, machine learning in fintech was worth close to $8 billion in 2020 and is anticipated to reach $26 billion by 2026. OnDeck employs machine learning to analyze applicants’ creditworthiness holistically and estimate their ability to repay a loan, taking into account atypical criteria such as cashflow, public records, transactional reports, and social data.
Without such solutions, lenders rely on manual data collection and base underwriting on the personal credit scores of business owners, resulting in inefficient and inequitable lending decisions. According to studies, BIPOC-owned businesses are disproportionately rejected loans as a result of their credit reports being blemished.
As a result, machine learning has the ability to democratize capital access while also reducing risk for financial institutions.
4. Infrastructure that is intelligent
Some forward-thinking businesses are combining the aforementioned trends to address systemic concerns. Visa made headlines lately when it announced the acquisition of Tink, a UK firm focused on open banking via a data and payments rail. GoCardless, based in the United Kingdom, has been a pioneer in allowing businesses and software platforms to use bank transfer rails to collect payments for years. Moov is leveraging open source libraries in the United States to allow developers to collect, store, and disburse money: think Banking as a Service without the middlemen.
Bain Capital led the Series A financing for Orum, a startup that is reinventing how the majority of money—nearly $62 trillion a year—moves in the United States.

Orum’s Momentum permits money movement 24 hours a day, 7 days a week, 365 days a year. Orum.io provided this image.
Today, you may have groceries delivered to your home in minutes, yet transferring money between banks might still take three to five days. This is due in large part to the obsolete architecture of payment rails, which lacks the ability to monitor account balances in real time and authorize quick transactions.
Orum is tackling this issue head-on with embeddable fintech and machine learning.
Foresight is the company’s initial product, an embeddable API solution that leverages proprietary intelligence to estimate a transaction’s return risk before it happens, allowing financial partners to make wiser, faster transfer decisions.
Momentum, a second product, provides liquidity in the same way that Amazon provides same-day package delivery. It doesn’t matter how your money goes from point A to point B; what counts is how quickly it gets there. Momentum facilitates money movement 24 hours a day, 7 days a week, 365 days a year, optimizing for speed, cost, and risk across payment rails including ACH, RTP, and, eventually, crypto and FedNow.
Orum’s automated and data-driven decisioning engine revolutionizes how consumers and companies transfer, receive, and access money by bringing multi-rail payments up to speed with our immediate economy.
What Will Happen Next?
Given this tendency, fintech will undoubtedly continue to pervade practically every part of the digital tools we use on a daily basis, making it easier and faster to get financial services when and where we need them.
This can only be achievable with the continuous development of embeddable infrastructure, machine learning adoption, and efforts of firms like Orum that combine these forces to build a broad base that drives innovation and opens financial access to a new generation of users./nRead More

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