The “Making embedded banking work” report focuses on the advent of embedded banking. It was produced by the financial services consultancy firm 11:FS in association with Infosys Finacle, a global leader in digital banking solutions. The report highlights various actions companies can take to successfully integrate financial services on a large scale. It also features the views of several embedded finance experts.

For example, Laure Boutron, Global Head of Marketing and Communication at Treezor, shared her analysis, stating that fintech, corporates, financial services technology providers, and regulators need to work together in order for the embedded finance model to succeed. This is how new value propositions and innovative customer journeys can emerge.

“Treezor is at the epicenter of the embedded finance industry, and its value proposition is in our DNA. We work together with all the players in the ecosystem. We must meet the needs of our fintech and corporate clients, adapt to our partners’ requirements and comply with regulatory obligations,” Laure Boutron says.

One of the great promises of embedded finance is to offer banking services via APIs. This enables companies to access and process customer data in real time so they can personalize their offers. However, data sharing is not always simple, as it is governed by strict regulations such as the European Union’s General Data Protection Regulation (GDPR).

When it comes to data management at Treezor, Laure Boutron is clear: “As an Electronic Money Institution (EMI), we implement procedures to ensure our customers’ financial data is compliant with the regulators’ financial reporting obligations (AML-CFT). We collect and analyze a certain amount of data in order to rule out any attempt at money laundering or financing terrorist activity. And the fact that we are backed by a major international banking group – Societe Generale – allows us to ensure a first-class level of compliance.”

Finally, Laure Boutron reminds us that “the success of our partners is also Treezor’s success.” Above all, Treezor’s model is based on the success of its customers, who they think of as their partners. Indeed, the more their business grows, the more transactions they generate. This is a win-win model driven by the revenue sharing that comes with it.

Do you want to grow your payment project? One of our experts will get back to you as soon as possible.
Contact us