Deloitte Insights

Episode 36: Embedded finance - the strategic regulatory considerations for financial services firms

Regulated Radio podcasts

A growing number of financial services firms are exploring embedded finance partnerships with non-financial firms. This is prompting EU and UK financial services and cross-sector regulatory authorities to take an increasingly active interest in the risks and opportunities they present for markets and consumers. Our latest paper explores the key regulatory considerations across four key thematic areas: consumers, data, resilience, and governance and accountability, and how these will affect firms’ strategies around embedded finance.

In this episode, Suchitra Nair from the Centre for Regulatory Strategy and Richard Kibble, UK Banking Leader, discuss the current embedded finance landscape, the risks, opportunities and strategic considerations for firms. Our guests then offer some predictions for what they expect to see in the embedded finance market over the next 12-months.

Key questions:

  • What is embedded finance and what applications are our clients most excited about?
  • How is embedded finance changing the financial services sector?
  • What does it offer to businesses and their customers?
  • What kind of role will regulators end up playing in its development?
  • What are some of the strategic choices financial services firms will have to make when looking to enter the embedded finance market?

Suchitra Nair

Suchitra is a Partner in the EMEA Centre for Regulatory Strategy and helps our clients to navigate the regulatory landscape around technological innovation. She sits on the UK Fintech Executive and leads our thought leadership on topics such as digitsation, cryptoassets, AI, regulatory sandboxes, Suptech, payment innovation and the future of regulation.

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Richard Kibble

Richard Kibble is a Partner and our UK Banking Leader. He holds over 25 years’ experience in strategy and management consulting, with particular expertise in digital strategy, innovation and digital transformation in banking.

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Scott Martin
Senior Manager

Scott is a Senior Manager in the Centre for Regulatory Strategy advising on international banking regulation, with a particular focus on bank capital, strategy, cyber risk and public policy-making processes.

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