As embedded finance reshapes how and where customers access financial services, banks face a defining moment. Should banks aim to power platforms or embed into them? Once the center of the financial relationship, many are now pushed behind the scenes as technology platforms and fintechs own the user experience. This roundtable discussion explores how traditional institutions can evolve with the times—from rethinking partnerships and API readiness to navigating regulation, managing risk, and monetizing embedded opportunities by finding profit in volume and scale and structuring partnership models for sustainable returns.
