Discovering New Revenue Streams With Embedded Finance

Embedded finance is a great and innovative way for businesses to find new streams of revenue generated through various financial products. Traditionally, companies wanting to offer customers financial services would have to do this through partnerships with banks or financial institutions. While this method has proved successful, some things could be improved. These include the need for personalisation, as the financial institution controls the guidelines, rewards and customer experiences, which limits business opportunities. Companies are now using embedded finance to replace this outdated partnership method and to drive innovation and customer retention. Thus, customers benefit from better customer experience, and firms can offer better services and find new revenue streams.


Shopify allows payments to be conducted directly through its platform. Sellers can accept payments from VISA and Mastercard, among others, without relying on third-party gateways and their fees.

Uber / Bolt / Lyft embed payments in their services. These businesses have revolutionised the riding experience and payment services, as drivers can get paid multiple times a day through an Instant Pay system.

Tesla offers insurance through its car sales program, which constitutes an additional revenue stream, increasing sales profit.

Klarna provides sellers with a buy-now-pay-later (BNPL) solution, which motivates customers to purchase more and consequently increases e-commerce sales.


Transactions – With embedded finance, you don’t need to partner up with banks and share the benefits of transaction fees. Issue your own debit and credit cards and earn revenues from transaction fees. You can also use advanced features, like in-app investing, which increases opportunities to capture additional income derived from the sales of equities, crypto and digital assets.

Insurance – Insurtech is a trend within embedded finance. Insurance sales are integrated into core-business products or services, keeping the customer in the internal sales flow instead of pushing them to purchase it from a separate provider. This makes it more convenient for them and increases client attraction and retention.

Digital Wallets – Embedding digital wallets provides value and greater convenience to customers, such as contactless payments, rewards, tracking expenses and instant money transfers. It also ensures customised services.

Financing – Embedded finance services allow for new ways of lending. Non-financial institutions can create innovative financing options that banks currently don’t offer. This is because banks are not specialised enough to address many niche financing needs. Fintech companies also have better technology and can use more accurate customer data. For instance, Shopify offers customers business loans using data about the seller’s revenue rather than credit checks. Repayments can also be scheduled as a percentage of sales.


At Be1B, we have a wide range of embedded finance modules with which you can expand your service offering. Book a demo with our team of experts to discuss how you can find new revenue streams with embedded finance solutions.