The New Phase of Embedded Payments
How Embedded Finance Is Expanding to Include Lending, Banking and New Revenue
Embedded payments are moving beyond transactions. What began as a way to accept and move money is becoming a broader financial layer embedded directly into platforms.
Recorded live at MPE Berlin 2026, this main stage panel brings together senior industry leaders, including Rapyd’s VP of Acquiring Partnerships, Sarel Tal, to explore where embedded finance is heading. The discussion covers the convergence of banking, lending, insurance and investment services, and the infrastructure and APIs enabling this shift.
Key takeaways:
- Embedded finance is entering a new phase
Payments are becoming part of the platform, not a standalone feature. - Financial services are converging
Banking, lending and investment products are increasingly delivered together. - Infrastructure is becoming the differentiator
APIs and infrastructure are shaping how platforms scale and adapt. - Software platforms are becoming financial platforms
Management software is evolving to include payments and financial services at its core. - New revenue models are emerging
Embedded finance is opening up new ways for platforms to monetise.
Show Notes
This session explores how embedded finance is evolving beyond payments and what that means for platforms.The discussion starts with the idea that payments were just the starting point. Platforms are now expanding into a broader set of financial services, including lending, insurance and investment products.
As Sarel Tal notes, businesses are no longer looking for point solutions. They want a single environment where they can manage funds, move money and access financial services without leaving the platform.
What was once an add-on is becoming core infrastructure. Platforms are increasingly expected to offer end-to-end financial functionality, from accepting payments to managing funds and accessing capital.
Sarel highlights that this shift is being driven by customer demand, particularly from businesses operating across multiple markets that need more than just payment acceptance.Banking, lending and other financial services are no longer separate. They are being brought together into unified experiences within platforms, changing how businesses interact with financial products
The shift is being driven by improvements in infrastructure. APIs and infrastructure-as-a-service models are making it easier for platforms to integrate and scale financial services without building everything from scratch.
Management software is evolving beyond workflow and operations. Platforms that already sit at the centre of business processes are well positioned to embed financial services directly into those flows. This creates a more connected experience, where payments and financial services are part of the workflow rather than a separate step.
Embedded finance is creating new ways for platforms to generate revenue, moving beyond subscription models to monetise financial activity within their ecosystems.
As Sarel points out, this shift allows platforms to participate directly in the financial flows they enable, rather than relying solely on software fees.
Despite the opportunity, there are still hurdles to overcome, including regulation, risk management and the complexity of scaling across markets.