“Oceanbase
Oceanbase
Oceanbase
Close Menu
    • About Fintech News Network
    • Work With Us
    • Contact Us
    • Media Kit
    • Advertise With Us
    • Fintech Malaysia Newsletter
    • Submit Fintech Startup
    • Submit Press Release
    • Submit Interview Request
    • Submit Fintech Event
    • Submit Vacancy
    • Webinar Inquiry APAC
    • Fintech Startups in Malaysia
    LinkedIn Facebook X (Twitter) YouTube RSS
    • About Fintech News Network
      • Work With Us
    • Contact Us
    • Media Kit
    • Advertise With Us
    • Fintech Malaysia Newsletter
    • Submit
      • Submit Fintech Startup
      • Submit Press Release
      • Submit Interview Request
      • Submit Fintech Event
      • Submit Vacancy
      • Webinar Inquiry APAC
    • Fintech Events in Malaysia
    • MY Fintech Startup Directory
    Fintech News Malaysia

    Fintech News Network 10-Year Anniversary

    LinkedIn Facebook X (Twitter) YouTube RSS
    Free Newsletter
    • Blockchain
    • Lending
    • Payments
    • Insurtech
    • Wealthtech
    • Regtech
    • Report
    • Startups
    • Events
    • Jobs
    Fintech News Malaysia

    Fintech News Network 10-Year Anniversary

    Home»Digital Transformation»How Embedded Finance Is Revolutionising Financial Services in Southeast Asia
    Digital Transformation Financial Inclusion Sponsored

    How Embedded Finance Is Revolutionising Financial Services in Southeast Asia

    William Dale, Regional Vice President, MambuWilliam Dale, Regional Vice President, MambuMay 8, 20233 Mins Read
    LinkedIn Facebook Twitter Copy Link Telegram Email
    How Embedded Finance Is Revolutionising Financial Services in Southeast Asia
    Share
    LinkedIn Facebook Twitter Telegram Copy Link Email
    Free Newsletter

    Get the hottest Fintech Malaysia News once a month in your Inbox

    Embedded finance is a thriving trend that is rapidly changing the banking and financial services landscape in Southeast Asia.

    With around 290 million unbanked consumers in the region, embedded finance has the potential to help improve financial inclusion for those who were previously excluded from the formal financial system, as well as offering unrivalled convenience and efficiency to consumers.

    As the benefits of embedded finance solutions become more widely recognised, traditional banks are facing increasing competition from digital banks and fintechs utilising embedded finance to offer financial services through non-financial channels.

    Frontrunners in embedded finance

    149f460b0812b1d68b3908499aeac2839ba1e535-1200x800-1

    Several Southeast Asian companies are already experiencing success by capitalising on the potential of embedded finance.

    For example, Cake by VPBank, a digital bank in Vietnam, offers its customers the ability to link their Cake account to other digital wallets and e-commerce platforms, as well as ride-hailing service Be, enabling them to seamlessly access a range of financial and non-financial services at their fingertips.

    Similarly, UNOBank in the Philippines offers a range of digital banking and lending services to customers via its partnership with AI-led fintech Trusting Social, which leverages access to telco data to provide credit assessments for consumers who would otherwise struggle to access formal credit.

    Bank INA, a digital bank in Indonesia, is another example of a company that has successfully utilised embedded finance. Bank INA has partnered with various non-financial platforms, such as ride-hailing and e-commerce platforms, to offer customers access to a range of financial services such as loans, savings accounts, and insurance products.

    Driving financial inclusion through embedded finance solutions

    close-up-teamwork-concept-1536x1024

    By offering financial services through non-financial channels, embedded finance can help improve financial inclusion for those who were previously unable to access financial services via traditional means.

    For example, unbanked individuals who rely on cash transactions can benefit from the convenience of digital payments, which can be accessed through non-financial digital platforms (i.e. smartphone apps) they are already familiar with.

    This can help them build credit, save for the future, and access financial products that were previously out of reach.

    The rise of embedded finance has also resulted in banks providing financial services to underserved communities through non-traditional channels, such as mobile devices and e-commerce platforms.

    By leveraging embedded finance, banks can reach a wider audience and provide financial services to those who were previously excluded from the formal financial system.

    As the demand for embedded finance grows in Southeast Asia, organisations from a wide range of industries have the opportunity to leverage next-generation technology to create new value-added services for their customers.

    This includes the use of artificial intelligence, machine learning, and data analytics to provide hyper-personalised financial services that meet the unique needs of each customer.

    Embedded finance: A disruptive force in financial services

    Embedded finance is revolutionising the banking and financial services industry in Southeast Asia, effectively driving financial inclusion for those consumers who have been excluded from the formal economy, and offering consumers personalised services and unprecedented levels of convenience.

    The success that organisations like Cake by VPBank, GoTyme Bank, and Bank INA – and many more – are experiencing by incorporating embedded finance solutions into their offerings highlights the enormous potential this approach can offer to businesses looking to provide innovative financial services through non-financial channels.

    As financial and non-financial organisations continue to leverage next-generation technology, and the adoption of embedded finance continues to grow in Southeast Asia, the potential for further disruption in the banking and financial services industry is boundless.

    Mambu
    Share. LinkedIn Facebook Twitter Telegram Copy Link Email

    Author

    William Dale
    William Dale, Regional Vice President, Mambu

    Will is responsible for driving growth of the business across the APAC region. During his career, Will managed large enterprise transformation projects and he now works on technology architecture, business models and consumer product strategy with neo-banks, tier one banks, fintechs and financial brands who rely on the Mambu platform to provide banking, lending and BPaaS services.

    Related Posts

    Merchantrade Disbursed Over RM3.6 Billion in Digital Wages to Migrant Workers

    June 11, 2025
    Digital Banking Sponsored

    Fintechs and Neobanks Push Banks to Rethink the Future of Deposits

    Sponsor: MambuJune 6, 2025
    Digital Transformation Sponsored

    Legacy Tech Still Plagues 95% of Asia Pacific Banks, Slowing Down Modernisation

    Sponsor: BPCJune 5, 2025

    FICO Powers Digital Transformation Across Malaysia’s Financial Sector

    June 4, 2025

    Temenos Powers KAF Digital Bank Ahead of Public Launch

    June 3, 2025

    GXBank Opens Second Round of Impian Gigih Scholarship Applications

    May 27, 2025

    BNPL Use Rises as Formal Credit Remains Out of Reach for Many Malaysians

    May 21, 2025

    RHB Taps Qualtrics for Real-Time Customer Insights, Service Improvement

    May 20, 2025
    Blockchain/BitcoinSponsored

    Collaboration Is Key to Institutional Crypto Success in Malaysia

    April 29, 2025
    Fintech Malaysia Newsletter
    Subscribe to the most important Fintech Malaysia News
    Follow Us
    • LinkedIn
    • Facebook
    • Twitter
    • YouTube
    Featured Fintech Award

    Public Voting

    Featured Fraud Solution

    Featured Fraud Solution

    Featured Webinar

    How APAC Banks Can Leverage SaaS to Compete & Collaborate

    Featured Whitepaper

    Featured Reports

    Sumsub Identity Fraud Report 2024-2025

    APAC Insights from LexisNexis Risk Solutions Cybercrime Report

    Financial Crime Landscape in Malaysia Q4 2024

    The future of deposits 2025

    Featured Fintech Events

    Hong Kong FinTech Week x StartmeupHK Festival 2025

    Sumsub Fraud Summit 2025

    Featured Fintech Video

    The Future of Islamic Digital Banking

    Webinar Replay

    Cracking the Code of Asia's Banking Trends in 2025 and Beyond-Temenos

    Upcoming Fintech Events
    OceanBase INFINITY CxO Special | Malaysia Edition
    June 18, 2025
    Malaysia
    -
    Kuala Lumpur
    Featured
    Beyond Legacy: How APAC Banks Can Leverage SaaS to Compete & Collaborate
    June 26, 2025
    Featured Online
    Fintech Revolution Summit 2025
    July 23, 2025
    Malaysia
    -
    Kuala Lumpur
    Hong Kong FinTech Week x StartmeupHK Festival 2025
    November 3, 2025
    -
    November 7, 2025
    What the Fraud Summit
    November 19, 2025
    -
    November 20, 2025
    Singapore
    View More
    Promote Event
    Fintech Jobs
    Client Operations Analyst at Endowus
    Full-time, Remote
    Endowus
    View
    Fraud Analyst
    Kuala Lumpur, Full-time
    MoneyLion
    View
    Associate, e-KYC Data Entry (12 months Contract)
    Kuala Lumpur, Contractor
    TNG Digital
    View
    Senior Manager - HRBP
    Kuala Lumpur, Full-time
    Razorpay
    View
    Head of Risk Management
    Kuala Lumpur, Full-time
    PayNet
    View
    View More
    Add Vacancy
    Malaysia Fintech Report 2024

    MY Fintech Map 2024

    Singapore Fintech Report 2024

    Singapore Fintech Report 2024

    Philippines Fintech Report 2024

    PH report 2024

    UAE Fintech Report 2024

    UAE Fintech Map 2024


    Whitepapers & E-Books
    Financial Crime Landscape in Malaysia Q4 2024: Emerging Trends and Countermeasures
    Financial Crime Landscape in Malaysia Q4 2024: Emerging Trends and Countermeasures
    Tookitaki
    APAC Insights from LexisNexis Risk Solutions Cybercrime Report
    APAC Insights from LexisNexis Risk Solutions Cybercrime Report
    LexisNexis Risk Solutions
    The Future of Deposits 2025
    The Future of Deposits 2025
    Mambu
    Traditional Finance and Crypto in Malaysia: The Intersection Between the Old and the New
    Traditional Finance and Crypto in Malaysia: The Intersection Between the Old and the New
    Luno


    Navigation
    • About Fintech News Network
    • Advertise With Us
    • Media Kit
    • Work With Us
    • Contact Us
    • Fintech Malaysia Newsletter
    • Submit Fintech Startup
    • Submit Fintech Event
    • Submit Interview Request
    • Submit Press Release
    • Submit Vacancy
    • Fintech Events in Malaysia
    • Directory
    • Privacy Policy / Disclaimer
    Other Fintech News Network Publications
    Fintech News Malaysia
    Fintech News Singapore
    Fintech News Hong Kong
    Fintech News Philippines
    Fintech News Network Indonesia
    Fintech News Network Thailand
    Fintech News Switzerland
    Fintech News Baltic
    Fintech News Nordics
    Fintech News America
    Fintech News Middle East
    Fintech News Africa
    Get Informed

    Subscribe to Updates

    Subscribe to the most important Fintech Malaysia News

    LinkedIn Facebook X (Twitter) YouTube RSS
    • About Fintech News Network
    • Advertise With Us
    • Media Kit
    • Work With Us
    • Contact Us
    • Fintech Malaysia Newsletter
    • Submit Fintech Startup
    • Submit Fintech Event
    • Submit Interview Request
    • Submit Press Release
    • Submit Vacancy
    • Fintech Events in Malaysia
    • Directory
    • Privacy Policy / Disclaimer
    © 2015 - 2025 Copyright CK Finanzpro GmbH. All Rights reserved.

    Type above and press Enter to search. Press Esc to cancel.