The four principal categories of embedded finance are deposits, payments, issuing, and lending.
Deposits — Transaction and deposit accounts that merchants and consumers can open and use from within an app or software platform.
Payments — Money movement from within nonbank apps or software.
Issuing — Prepaid, debit, and credit cards for customers and employees, issued from within business management software or apps.
Lending — Unsecured lending embedded in business management software. (eg. merchant cash advance) and Secured lending for large purchases with underwriting and origination at point of sale.