Deutsche Bank Says Embedded Finance Is Changing Business Models

Group 1: Core Insights - Embedded finance is transforming various industries, including retail and logistics, by integrating payments into evolving business models [1][2] - The role of CFOs and treasurers is changing as transactions become a strategic focus, enhancing customer retention and experience [1][2] - Companies are shifting towards direct-to-consumer (D2C) sales models and open platforms, which are becoming marketplaces [2][3] Group 2: Banking Integration - Banks, including Deutsche Bank, are facilitating the integration of payments into platforms through application programming interfaces (APIs) [3] - Banking services are becoming more accessible for client firms, allowing for strategic discussions on product design while maintaining compliance and risk management [3][4] - Deutsche Bank has transformed its systems into an API-accessible orchestration layer, enabling modularized services [3] Group 3: B2B Payment Transformation - B2B payments are being modernized as small business owners seek an eCommerce-like experience, expecting streamlined user experiences [5] - The digitization of manual processes is improving operations from invoicing to payments, leading to a B2B future with financing offers for recurring clients [5][6] - Strategic integration with clients and partners is enhanced through embedded finance, making companies more effective [6]