When Your Shopping App Offers a Loan, Who Profits Behind the Scenes?
Source: Fintech Singapore
Published on: 2026-10-12 03:36
Get the hottest Fintech Singapore News once a month in your Inbox Embedded finance has settled well into the Asia Pacific region's everyday digital life. Users now comfortably gain access to payments, credit, and wallets inside the platforms they once used for something else altogether. What's not settled is who captures the value. The platform may own the journey and the data, but someone further back supplies the licence, the balance sheet, and the underlying infrastructure, even carrying the risk should something go awry. While both sides claim to own the customer, the lines have started to blur. Some platforms have stopped partnering for banking capabilities and started acquiring them. Similarly, there are some fintechs out there that are applying for licences rather than renting them out. As banks and fintechs both figure out which side of the coin is worth holding and what it...
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