FINTECH
EMBEDDED FINANCE
About Module XII
Module XII explains embedded finance and how financial services are integrated into non-financial customer and supplier journeys. Learners explore Banking-as-a-Service, APIs, open banking, open finance, FiDA, build-versus-partner decisions and platform architecture. The module also maps compliance responsibilities across DORA, GDPR, data governance, the AI Act and anti-money-laundering requirements in Europe.
What You Will Learn
After the end of Module I, you will be able to:
-
Knowledge 6
Define Embedded Finance and locate it within the FinTech vertical taxonomy; explain the four-actor model (End User · Brand/Platform · License Holder · BaaS/Tech Provider) and the role of APIs and Banking-as-a-Service.
-
Knowledge 6
Understand the EU regulatory foundations of Embedded Finance – Open Finance, FiDA, the Consumer Credit Directive 2 (BNPL), PSD3/PSR – and their application to customer- and supplier-facing flows.
-
Skill 6
Apply embedded-finance solutions to customer-side workflows: embedded payments, BNPL, point-of-sale lending, embedded insurance, embedded wealth.
-
Skill 6
Apply embedded-finance solutions to supplier-side workflows: supply chain finance, ERP-embedded financing, trade credit insurance, international trade instruments.
-
Responsibility & Autonomy 6
Design an embedded-finance strategy for an SME, balancing build-vs-partner decisions, regulatory compliance (FiDA, PSD3, CCD2, AMLR, DORA, AI Act), data governance and risk.
CROSS-MODULE COORDINATION
Module XII is the synthesis vertical: it shows how instruments developed elsewhere are delivered INSIDE customer and supplier workflows. It is self-contained but deeply coordinated:
- Module II – primary reference for the FinTech ecosystem; identifies Embedded Finance as one of the seven verticals (LT 2) and develops the technology foundations – APIs, OAuth, microservices (Lesson 1.2).
- Module III – primary reference for the EU regulatory framework: PSD2/PSD3 payments (LT 3), GDPR (LT 4), AML/AMLR (LT 5), MiCA (LT 6), DORA and the AI Act (LT 7).
- Module IV – AI / Data Science; referenced for embedded credit-scoring AI and the AI Act high-risk obligations (LT 9).
- Module V – Blockchain & Crypto; trade-finance blockchain use cases and smart contracts (LT 4); MiCA-licensed CASPs for embedded crypto (LT 8).
- Module VI – Cybersecurity; the operational controls for DORA-compliant, API-driven embedded architectures.
- Module VII – PayTech; the underlying payment technology most embedded products rely on: mobile wallets (LT 4), B2B + ERP integration (LT 5), payments regulation (LT 8).
- Module VIII – RegTech; compliance applied at scale. Module IX – Alternative Financing; the instruments embedded finance distributes: receivables finance (LT 3), revenue-based financing (LT 4), trade credit and the Late Payment Regulation (LT 6).
- Module X – WealthTech; the wealth instruments distributed via embedded wealth. Module XI – InsurTech; the insurance products (IDD, Solvency II) distributed via embedded insurance.
Contents
- 6 Learning Topics
- 13 lessons
Learning Topic 1: The Embedded Finance Ecosystem – Definition, Architecture and
-
LESSON 1.1 – Defining Embedded Finance [Intermediate]
-
LESSON 1.2 – Banking-as-a-Service, the API Foundation and Market Scale [Intermediate]
Learning Topic 2: Open Finance and the FiDA Regulation
Learning Topic 3: Embedded Finance for Customer Workflows – Payments, BNPL, Lending, Insurance, Wealth
Learning Topic 4: Embedded Finance for Supplier Workflows – Supply Chain Finance, ERP-Embedded, International Trade
Learning Topic 5: Implementation, Compliance and Risk
Capstone Topic: Designing an Embedded Finance Strategy
References and Final Assessment
Download MODULE XI
Disclaimer. Material for Educational Purpose Only
The content on this platform is provided solely for educational and informational purposes and does not constitute financial, investment, legal, or tax advice. We do not recommend or endorse any specific cryptocurrency, financial product, or investment strategy. Cryptocurrencies are volatile and high-risk assets, and any investment decision is made at the user’s own responsibility. Users should seek advice from a qualified financial advisor before making financial decisions.
