Mobey Forum Unveils New Report: “Embedded Finance: A Strategic Roadmap for Banks”

Mobey Forum, the leading global industry association empowering banks and financial institutions to innovate in digital finance, has published a visionary report titled “Embedded Finance: A Strategic Roadmap for Banks.” This comprehensive report offers actionable insights and a clear path for banks to thrive as key enablers of the digital economy. 

Embedded Finance has emerged as a transformative force in the financial sector, embedding banking services directly into digital ecosystems and reshaping the customer experience. Mobey Forum’s report provides in-depth guidance to help banking leaders navigate this paradigm shift, seize new revenue streams, and deliver integrated, customer-centric solutions. 

Key Highlights: 

• Three Business Models Unpacked: The report explores three core Embedded Finance models—API-Driven Banking, Verticalised Offering, and Platform Banking—offering practical frameworks for banks to integrate into evolving digital ecosystems. 

• Actionable Strategies for Success: From developing robust API infrastructures to forming strategic third-party partnerships, the report outlines tactical steps and maturity models for each business model, empowering banks to chart their unique path. 
• Real-World Case Studies: The publication features successful Embedded Finance examples from institutions like UBS, PostFinance, and SEB Embedded, illustrating how banks can enhance customer experiences and unlock new value. 

• Call to Action: The report underscores the urgency for banks to act now. Delaying the defining of Embedded Finance strategies risks losing market relevance, customer loyalty, and revenue streams to non-banking competitors who are rapidly embedding financial services into their platforms. 

Quotes: 

“Embedded Finance is not just an industry buzzword—it’s a strategic imperative for banks. Our report provides a practical, detailed roadmap to help banking executives reimagine their roles and position themselves as indispensable players in the digital economy,” stated Elina Mattila, Executive Director at Mobey Forum. 

“Embedded Finance marks a fundamental shift—from banks as destinations to enablers within customers’ everyday digital journeys. Whether through APIs, vertical offerings, or platform models, banks now have the tools to meet customer needs in context. This report supports leaders in choosing the right model and executing with purpose,” observed Ville Sointu, Chief Strategist, Transaction Banking at Nordea and Co-Chair of Mobey Forum’s Payments Expert Group. 

“Platformification is no longer theoretical—it’s reshaping how customers access both financial and lifestyle services. Banks that embrace this shift can deliver seamless, personalised experiences across ecosystems. Our roadmap helps institutions move from strategy to execution—before the window of opportunity closes,” commented Pål Krogdahl, Director, Technology Strategy and Advisory Services at Samlink and Co-Chair of Mobey Forum’s Payments Expert Group. 

The full report, Embedded Finance: A Strategic Roadmap for Banks, is available for download HERE.