Functions. Use your company logo on the self-service portal, in mobile apps — everywhere. Branded payee account portal and admin dashboard with customizable URL; Branded mobile app; Global on-demand branded debit cards; Customizable payee communications and notifications; Make every login, swipe, or download an opportunity for promotion and recruitment. Talk to us to find out more about embedded finance or our other white-label solutions. These companies often specialize in providing a specific type of transaction solution such as processing credit cards, gift cards, bitcoin, etc. Visa Account Updater (VAU) offers two solutions that help allow you to manage recurring payments and card-on-file relationships more efficiently and to reduce authorization declines, so you can deliver a. 5 ways white-label debit cards can drive customer loyalty Personalization. Overall, white label debit card issuing can be a powerful tool for businesses looking to offer branded payment solutions to their customers. Other functionalities that digital wallets offer are: Peer-to-Peer (P2P) payments, online payments, hold funds, store ID cards, storage for transit tickets such as trains, buses or boarding passes and security. The FinTech landscape is experiencing unprecedented growth, with a pivotal role played by the advent of white-label crypto debit cards. Build it from the ground up, or enhance. Our platform opens up your financial backend to near-infinite customization and configurability. View Software. However, creating a crypto-loading platform or debit card from scratch can be daunting. Cardstream is a high performance Level 1 PCI DSS-compliant white label payment processing platform. See how CorServ’s platform features can be leveraged with these card. Your white label ready to go in 2 weeks 📱 A mobile application with all services available, with more than 12 fiat currencies and 500+ crypto currencies. Add TextBit to offer quick and easy remittance for users. you can issue VISA and Mastercard debit or prepaid cards that function identically to the most sophisticated cards in the market, and at the most competitive pricing. Some of our programs can also remove the technological burden from you and your team, providing a turn-key customized solution. QuadraPay is a leading payment processing solutions provider, offering a wide range of services in association with our partners. Access ATM and payment networks. The software, when integrated. A white label debit card program can have many uses including sending out pension benefits. white-label solutions offer a cost-effective and time-efficient alternative. What you see today is a tiny fraction of our global vision. But every time an airline wants to. 99% we offer reliability, flexibility, and scalability. we can customize each. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. Key Opinion Leaders (KOLs) to grow your card program, by offering them attractive earnings. Central to this transformation is the rise. Leverage Adyen Acquiring to instantly fund your card program. While white-label debit cards are associated with a bank account, other options don. Sometimes called closed-loop EMV, white-label EMV technology has been used by domestic debit schemes and retailers for their private-label cards for years. Corporate disbursement. Optimus Cards UK Ltd. BIN Sponsorship Access to any VISA program. Data. PAYMENTZ provides a tailored payment solution at a very simple and competitive price. Timo Lye May 30, 2023 2:07 am Maximizing Crypto Transactions with White Label Debit Cards: A Complete Guide. White-label card issuer with global payment gateway and processing solutions for prepaid and debit cards. Dzing Finance – a fully customisable White Label solution that allows our partners to take advantage ofhaving their own branded neobank with no upfront or operating costs and earning revenue from day one. Good (3. For instance, by providing its own debit card to its users, an e-commerce platform can offer a seamless way of not just paying, but also accumulating points, receiving cashback, and more. Same-Day Deposits are available to merchants on integrated software platforms with a 5:00 pm PT cut-off time for payments processed on WePay. The platform has more than 170 connectors to banks and payment methods all over the world available via a single platform. Freely define your business model and pricing. Wallester’s white-label service allows clients to create own-brand virtual and physical Visa cards – whether prepaid, credit or debit – based on. When it comes to white label corporate debit and credit cards, we're the business. The branded debit card solutions allow them to deliver a cohesive brand experience for their customers, expansive market reach, and flexibility in terms of features, including fuss-free integration and setup, personalisation, 24/7 white-label customer support, and chip-based security. Online customer support, statistical data analysis, risk control, and more — all features available on a single platform in real time! White-label card programs, branded payment cards, company mobile app and personalized. Credocard co-branded cards are used in more than 30 million locations globally. We understand that every financial institution is unique, and our white label Neo bank solution is designed to reflect your brand identity, values, and objectives. Qualitative onboarding. A white-label product is a product or service produced by one company (the producer) that other companies (the marketers) rebrand to make it appear as if they had made it. Boost revenue and create seamless payment experiences using your own brand—or leveraging ours—with our white label solution and easy to integrate APIs. Name your own company, set your product pricing and take payments directly yourself. We provide B2B White Label Travel portal to Online Travel Agencies (OTA), and give them various logins of the B2B travel portal to serve their customers in the best possible way. White label business credit cards offer a number of benefits for businesses, including increased customer loyalty and brand recognition. Branding & customization. Whitelabel issuer is a card issuer that offers branded/co-branded virtual and plastic cards for businesses. Fintech Partnerships. Express your brand’s distinct identity through the versatility of customized VISA debit cards, enriched with signature style and exclusive features. Cutting-edge API for easy integration. This Card White label was created by a fintech company for fintech companies. Lion Gaming is the go-to provider if you are looking for a well-crafted white label gaming platform with an easy-to-use interface. We are here to help. It is designed for domestic schemes and private payment card associations looking for chip-based security and fast time to market. A white label merchant is essentially a company that offers another service to help facilitate transactions between two parties (customers and sellers). WLPayments’ Merchant Portal. Core Banking. Pre-Defined or Custom Payment Card Products. Uptime is everything for mission-critical online and delivery payments. Ensure security, ease of use, and rapid market entry for your business. The backbone of Dzing platform is our own core banking system – a fully functional extremely scalable and extremely complicated solution. The consumer and business applications are powered by Striga. The PayAdmit team performs maintenance, support, development of new modules, and integration of new payment solutions/providers into your system. Striga is a platform. Orange Label ATMs. Find out how we can customize any of these. You will receive a white label payment gateway with a complete card-present solution, including SoftPOS and remote key loading mechanisms. One-stop solution for your fintech project. Create a card portfolio that delights cardholders and supports your brand's vision with the most robust range of card types, design, and deployment on the market. Buy now, pay later settlement. Talk to us to find out more about embedded finance or our other white-label solutions. Email us Call 01675 677315. Some invoicing solutions are free, but you cannot get rid of the branding of the company. Payment Processed 2022. Self-service. Global payment solutions tailored for your business. Today, debit card usage accounts for 25% of all purchase volume which was 13% in 2005. All of this allows us to provide innovative and reliable White Label Prepaid Card Programs. Cards activated 2022. Soluciones. Increase revenue. There are a variety of reasons a business might choose to outsource some part of its workload, and all of them apply to handling alternative payments. Instead, they carry the brand of the retailer that issues them, and they’re managed by a commercial finance company, bank, or embedded banking solutions provider. 3Choose the routing and processing option that best meets your program needs – authorization only or au. Wallet Factory has developed a virtual wallet – white label solution. White label prepaid debit cards are loaded with a set amount of cash and issued by a company or brand. Amidst. Whether it is in-depth transaction data, chargeback and refund information or acquirer performance statistics, you are in control of your payments strategy and success. Overall, white label debit card issuing can be a powerful tool for businesses looking to offer branded payment solutions to their customers. Marqeta is the world's first modern card issuing platform. Solution: Innovative product. Dear all, We are looking for a "white label solution" for a fintech company from Germany. Benefits of using a white. For SME owners, customer loyalty and employee perks are vital. Launch in as little as 2-weeks with no coding needed! Start innovating with Marqeta today. The company’s head office is in Tallinn, Estonia. Overall, white label debit card issuing can be a powerful tool for businesses looking to offer branded payment solutions to their customers. • Get a free account and MasterCard. Work with Branch to direct your unique solution end-to-end including user interface, payments tools, worker communications, and branded debit card customization. Deliver instant contractor payments and digital banking to your gig workforce—for free. Optimize cash flow the clever way. A payment gateway is a software that enables merchants to accept credit. Explore how Velmie can enhance your services. Launch your neobanking app with our whitelabel apps, platforms, and solutions. Simply Add Your Logo! The quick-launch program is fully integrated with a Certified Mastercard manufacturer and fulfillment center. Yes, you can. White-label payment processing offers multiple benefits for ISVs or SaaS companies looking to offer payments as part of their integrated solutions. Discover their card issuing, card processing, white label solutions, program management, BIN sponsorship, corporate e-wallet accounts, prepaid cards, debit cards, credit cards, physical cards, virtual cards. Private and corporate account opening within EU/EEA 2. Here is an overview of which services are offered or required: 1. Lion Gaming: A Global White Label Casino Provider Powered by The Latest Technology. Your EBANQ online banking system can be online in 24-48 hours with your own logo and design theme. General Purpose Cards. Initial white label propositions will include co-branded and customisable crypto-friendly debit cards, customised rewards (e. White-label debit cards. 760M$. May 28, 2010 - PRLog -- Using a White Label Debit Card Program to Pay Pension Benefits. We're here to offer a card that is taiored to your business. Embed innovative card programs for loyal customers, member, and groups. m. We deliver fast-scalable white-label solutions to enable and serve financial. Login - Seamless Onboarding. Unleashing Innovation: Wallester and Striga Join Forces in Revolutionising Crypto and Financial Technologies. Take a look at this VIDEO to see how the platform can be branded in minutes. We provide a white-label digital asset banking solution that quickens deployment and enables you to jump into the digital asset market quickly. White label core banking 2022. § A turnkey solution provides the highest level of technology and security in the payment card industry. Definition and Explanation White label payment solutions refer to payment processing services that are rebranded and resold by a third-party vendor or a payment service provider (PSP). A white-label prepaid card can give firms the ability to create loyalty programs, gather customer payment data, and produce attractive and eye-catching brand. SEPA in/out 3. Freeze the active card and remind PIN. E-wallet. By using a white-label solution, payment businesses can launch their payment services quickly, without needing to develop their own solution. Select from our On-Demand solution that does not require purchasing inventory or pre-purchase inventory for better pricing. Clients will also have the option of choosing between Visa and MasterCard cards and GBP, Euro or USD currencies. Their built-in crypto wallet solution supports major fiat assets and cryptocurrencies, allowing for seamless conversion and instant purchase of various digital assets. Worker pay that isn’t stupid slow. Website: railsr. We enable comprehensive instant issuance portfolios. TODAY EMBEDDED PRODUCTS A broad variety of distributors are now embedding simple deposits, lending and payments products directly within their own. White-Label Solutions Launch your own White-Label card program. Decta Limited offers accepting card payments with merchant account, merchant acquiring, service for credit card and payment processing, white-label card issuing and processing services to organizations. Includes prepaid. The ATM / ATM cum debit cards, credit cards and prepaid cards, as permitted by the issuer, can be used at. Offering extra services is a proven way to keep customers attached to a brand and make them spend. One partner and all in one. 80 followers. ) White label disbursement platforms offer access to multiple payment types, such as debit card, bank account, and electronic wallet. Credocard Turnkey Solutions Co-Branded Prepaid Card Programs Online payment – Debit Card programs – Co-branded debit Cards. Supports 14 different languages. Available in various currencies, including USD, EUR and GBP. Select from CorServ’s carefully pre-defined card products based on our years of experience, or work with us to create your own card products. SWIFT in/out 4. Supervised expense cards for employees. Choose between 40 different issues to find the best solution to your needs. Solutions Cutting-edge solutions tailored for any industry and business segment. By 2014, we evolved to deliver integrated, white label payments solutions to leading SaaS platforms. Benefit from end-to-end processing. Your call. Global payment solutions tailored for your business. Turnkey solution including licensing and payment processing integration; Co-Branded Prepaid card programs; White label prepaid card programs. One such breakthrough is…Write. Non-bank ATM operators are authorised under the Payment & Settlement Systems Act, 2007 by the Reserve Bank of India (RBI). We offer an end to end, in-house consumer and commercial card issuing and processing. Safexpay. Features include card controls and limits, digital wallet tokens, and the option to customize cards. White-label solution for crypto businesses allows embedding fiat gateway in your product. The first step is to discuss your program strategy and meet your business requirements through the Affinity Prepaid platform. White Label is an effective solution for starting an online casino from scratch. Elevate your brand with Youtap’s white-label digital wallet and companion card solution. By offering its own credit card program, a business can offer customers a unique and convenient payment option that also rewards them for their loyalty. With a single software development kit, adding the latest digital card features to your mobile banking app is easy. Access the latest in digital financial solutions. WunderTrading offers a number of cryptocurrency turnkey platforms on a white-label basis. Wallester white-label cards allow companies to brand their own cards and let their identity shine as the employees take them out into the world. Accept fiat payments quickly with PayPal integration, and receive payouts in cryptocurrency. Optimus Cards is a fully FCA authorised Electronic Money Institution who can issue Electronic Money Products (including prepaid cards) and related Payment services. Discover Ayoconnect's White Label Virtual Cards API (powered by Mastercard) for expense management, lending, online travel, and more. Banks and EMIs. Schedule a call with ProductFy’s team to learn more about credit builder cards, white label debit cards and FinTech. It offers a working casino website that can handle multiple files and support easy navigation. CrowdEngine also offers regulatory compliance support, customer. The physical and virtual both have that facility. Platform Overview. Safexpay is the white label mobile wallet solution provider with fully customized open, closed, and semi-closed wallets. Use Cases. When to create aPrepaid Card Program. KYC / AML Compliance with all regulations and directives affecting your business. You design the purpose, we build the card. There are usually three parties involved in issuing co-branded cards: the business, the card issuer, and the payment network or. Digital. Forex payments, trading apps, modern neo financial services. Multiple uses for Prepaid Card – can be used for Payroll, Incentives, Pension Payments, Marketing costs, Remittances, Day to Day expenses and Travel & Entertainment. As of now, your FinTech company can use reloadable debit cards as part of a white label solution. With a white label business debit card, the company can offer its customers a variety of payment options. The card will have the company’s logo and mobile application, giving their product an extra edge among others in the market. Designed in partnership with Clay. When you research white label billing software, there are a few features you should look for. Cards are available in either personalized or instant versions. A white label banking solution from SatchelPay can be useful for internal use within a company as well. Schedule a call with ProductFy’s team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. Configure and manage all your virtual or physical debit and prepaid card products with a. 03. Interac eTransfer; Open Banking; Fraud Management Solutions. Disrupt Technologies. Put the power of digital banking at your consumer’s fingertips with Crassula’s White-Label neobank solution. Credocard Turnkey Solutions Co-Branded Prepaid Card Programs Online payment – Debit Card programs – Co-branded debit Cards. One white-label debit card: a world of possibilities. A white label payment gateway is a personalised form of payment solution that allows businesses to bring their brand into the picture while. White label debit card issuing has become increasingly popular in recent years as more and more businesses seek to offer payment services to their customers. Orenda White Label is an all-in-one solution with all APIs built in and a customer facing app ready to be used, because it’s. Web and Mobile responsive, built in React. ATMs set up, owned and operated by non-banks are called WLAs. Core Banking. 1. You can choose to launch your white-label cards with Visa, Mastercard, or UnionPay, set them up as prepaid or debit, and select physical or virtual options. We also have. Your card. Multi-platform apps in Android, iOS, web apps, and hybrid apps. SEPAexpress guarantees smooth and secure transaction. Card issuing platforms are software-based solutions that enable card issuers to create and manage various types of payment cards, including credit, debit, white label, and virtual cards. Disputes and chargeback processing. PAYMENTZ platform gets audited every year for this. This not only enhances customer satisfaction but also helps businesses to stay competitive in the rapidly evolving payment landscape. Non-banks set up and operate White ATMs as per the rules laid down by RBI for using ‘other bank’ ATMs. Credocard is the industry leader for co-branded cards, Co branded prepaid cards, white label card programs, software and payment integration platforms and turnkey payment solutions. A white label gift card platform is a solution that businesses can use to create their own branded gift card program without the need to build a custom platform from scratch. Credocard provides complete White Label Turnkey Solutions, allowing business partners to share in the revenue streams generated from the payment platforms. Designing your best-fit solution, you can do business in an open-market economy, start stable fintech operation, or launch a card for travel and entertainment industry. Such card programs are fully configurable and allow to efficiently attract customers without the need to invest in a standalone solution. What is White Label Casino Software. 04. ATMs Question 1: ATMs set up, owned and operated by non-banks are called: White Label ATMs. Automated reporting. Create and launch personalised debit cards that truly showcase your brand, with no monthly card fees for you or your customers. Our crypto debit cards are universally accepted, allowing you to spend your crypto at millions of locations. Digital wallets can store credit and debit card information a allowing payments directly from the card. With Delasport’s Payment Gateway operators can easily. Cardstream is a high-performance Level 1 PCI: DSS-compliant white-label payment processing platform, adding value by offering all major credit card schemes and worldwide currencies. Railsbank is a UK-based fintech company that provides banking and payment solutions for businesses. Flexible WhiteLabel solution for turnkey launch of branded credit cards specifically for your business, guaranteeing a fast time-to-market through simplified integration. The funds are deducted directly from the user's linked bank account. Pervesk card issuing service will save your time and recources, as well as provide your clients with a unique opportunity to claim their own. Many laws governing fees and the amount of permissible fees have changed since 2010. But have you ever stopped considering how these innovations…In the ever-evolving sphere of digital finance, crypto debit cards are carving a significant niche. In the rapidly evolving world of fintech, the integration of blockchain technology is reshaping how we think about financial transactions and payment solutions. In the realm of financial transactions, Unleashing the Power of White Label Crypto Debit Cards has emerged as a transformative force, intertwining the digital and physical domains of our financial…One-stop solution for your fintech project. It is a different world today than it was even a generation ago. Answer (Detailed Solution Below) Option 1 : White Label ATMs. White Label Credit Solutions. These ATMs accept all domestic debit cards and offer the first five or three transactions per month free of cost, depending on the location. Now, it’s accepted in 200+ countries and territories, with issuers in. Embossed and un-embossed debit card programs. Prepaid cards will give you a simple, effective and easier way to use and manage money globally. In essence, a white label debit card is a card that is branded with the logo and other identifying features of the issuing company, but is actually issued by a third-party. Cost effective and quick to deploy, our white label payment. Founded: 2014. By: Geir Holstad. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards, and how you can launch your own white label banking products. Call us at 800-526-9127 or email fintech@republicebank. Debit Cards The best alternative to cash. We're a Principal Member of Mastercard, meaning our customers receive fast-track BIN sponsorship for debit cards, pre-paid cards and credit cards. Your customers will be able to order and use their virtual and plastic cards in web, iOS, and Android apps while you will have all the managing tools in the back office Dashboard. , there are plenty of ways for them to do so. Set up the limits and issue the virtual cards instantly. Way4 Card Issuing is a white-label software platform for end-to-end card issuing and online account management. To find the best funds disbursement platform that increases your revenue and solves customer payment, you need to. We want to see everyone on the planet benefiting from what bitcoin offers, i. Let's talk. Save time and resources by launching your startup with white label card program using an existing platform. Debit Cards The best alternative to cash. As we venture further into the digital age, cryptocurrencies, blockchain technology, and white-label solutions rapidly redefine the financial landscape. Talk to our experts to get a free demo of our solution and see how it works. cashback), high-yield crypto accounts (white label X-Accounts) and crypto / fiat. Make next-level payments a reality with our comprehensive suite. That means that the same convenience that Apple Pay users experience can be had through a merchant’s own card program. . Reduce costs, such as check processing – and boost engagement by enabling global use. Discover how Partners are using Cardstream >. As a leading issuer of prepaid cards in the country, we collaborate on prepaid solutions of every type, including the following: Gift. Government payments. With a single-integration, our card issuing platform allows you to advance seamlessly from card setup through embossing, fulfillment and activation. Virtual Cards A digital card for instant payments. Your card. 10 more transactions are made in the first 30 days of issuance. is the pioneer in providing white label debit card programmes to financial institutions underserved by traditional providers. Solutions Cutting-edge solutions tailored for any industry and business segment. Payoneer, a white-label payment processing solution, allows businesses easily transfer funds between accounts, pay suppliers and freelancers, and receive payments from customers around. Our API-based card issuance system simplifies the process, from production to distribution, ensuring. Schedule a call with ProductFy's team to learn more about credit builder cards, white label debit cards and FinTech platforms, and how you can launch your own white label banking products. Co-Branded Card programs – Prepaid Debit Cards and Credit Cards. Access to multiple payment types (debit card, bank account, etc. Additionally, merchants can collect, disburse, or facilitate payments with the choice to combine transaction types for debit or credit card payments. These include popular e-wallets, debit cards, bank transfers, and cryptocurrencies. It is a great for: Telecom companies. Instead, businesses can work with a provider that offers a full suite of services, including design, processing, and distribution of digital and physical gift cards. Payment Processing Reliable transaction processing. Who we are . Dzing Finance – a fully customisable White Label solution that allows our partners to take advantage ofhaving their own branded neobank with no upfront or operating costs and earning revenue from day one. White-label payment gateways let businesses customize the online checkout process with own names, logos and brands. Usually, managing private label cards involves a lot of operational costs and compliance. At Cardstream, we offer ample partnership opportunities from co-branding to a full white-label payment gateway. Global Card Program. Fintech Partnerships. Companies that deliver white-label payment solutions offer software for payment service providers and merchants worldwide. Partner with a turnkey crypto card service that offers white labeling. White-label products are sold by retailers with their own. Card to card transfers. Physical. With instant payouts and white-label payroll, businesses can pay fast and launch new payroll products. Accelerated Launch In the same way that integrating your own brand in your debit cards via co-branded or white label solutions can reduce your. Everee is a payroll technology company. Our card solutions are multi-currency enabled, allowing your card to travel with you. Wallester offers to move to a completely new technological level! Issuance of branded VISA cards based on the White-Label model will allow you to. 3. 4. Looking for an issuing bank? Look no further. Take the complexity out of card issuing. Optimus Cards UK Ltd. Streamline your business’s financial processes now — start for free or choose a suitable tariff plan. Customized, full-white-label solution. 2 If you choose optional prepaid transactions like Balance Inquiry or Partial Authorization, special terminal programming may be required. As a white-label solution with fast deployment rate in just 2–3 months, MFS Enabler narrows down the need for from-scratch development and minimizes cost of maintenance and infrastructure. Corporate Debit Cards White label corporate card solutions. By offering BNPL, financial institutions enable their debit cardholders to pay for purchases in a way that aligns with their financial goals. That’s where white-label solutions come in. Our open API platform allows businesses to instantly issue cards and process payments. We help you optimize card issuing expenses and provide same-day shipping for a wide variety of card products, designed for private or legal entities. Payroll. Payment Processing Reliable transaction processing. This “white label” solution is ready for your brand and includes your logo, colors, and contact information, so your merchants only identify the payment solutions with your company. Bill Pay. Prepaid Debit Card. Our white-label solution has been used by Fortune 10 companies and the largest facilitators in North America. Setting up the Standard, White label or Co-branded card program is quick and easy. Card security. Responding to the emerging cutting-edge tendencies, Crassula comes with its fully customizable and cost-effective solution that can help you to set up a profitable white label crypto business and generate high profits in a month. top of page. Provide market-leading online and mobile card solutions that respond to consumer needs and meet their evolving expectations. Enjoy the benefits of our versatile and flexible card-issuing product. With white label debit cards, for example, you could offer cardholders reward points or. A good recurring billing solution is able to manage customer subscriptions and payment plans in the best way. 02. 760M$. Setup your own customers discounts and cashback solution using Mastercard or Visa. They can provide the infrastructure while you focus. No credit checks, no bank account and no minimum deposit needed. JPMorgan Chase acquired WePay in 2017, connecting our fintech technology with the strength and security of the #1 merchant acquirer. Convenience checks. Card design confirmation in 2 days. Physical. Enable them to open an account, make fast and secure payments, get virtual or physical debit and credit cards anytime and anywhere, from the convenience of their smartphone or computer. Key Features Cards. 2. 1 Ensure that customers questions and problems are resolved quickly and adequately. The Netherlands) disseminates Getsby Mastercard debit cards issued by the DiPocket Limited (Suite 532, Metal Box. solarisBank bills itself as a “tech company with a banking license. We aim to, together with Cardlay, make it easier for customers to integrate budgets, authorization processes, payments and reconciliation into an automated flow, thus minimizing errors and the risk of fraud, and we believe that Cardlay is a strong partner for that. The application has a wide range of functionalities and is available in AppStore and Play Market. Your customers will be able to order tokenized physical and virtual cards with the. With a White Label solution, you avoid a lot of these costs. Gemalto Instant Issuance also reduces the risk of card interception and fraud, all the while adding value. Email us Call 01675 677315. Check out the latest trends driving the embedded finance industry.