As the complexity of corporate-to-bank connectivity increases, embedded finance has emerged as a transformative force. This trend—where financial data is integrated directly into corporate treasury and finance platforms—has gained significant traction as clients demand more seamless, real time, and contextually relevant financial experiences. For banks, this shift is redefining client expectations and reshaping their technology priorities and partnership models.

Celent finds that banks have a choice of integration approaches, ranging from proprietary connectors to partnerships with integration providers. Through this lens, we aimed to provide a detailed understanding of the breadth and depth of embedded finance solutions that banks offer. We examined banks’ API developer portals and corporate banking websites to assess their offerings. While our review is not exhaustive, it provides an overview of services across North America, Europe, and Asia-Pacific.

Banks mentioned: Bank of America, Citi, DBS, HDFC Bank, HSBC. ICICI Bank, KeyBank, J.P. Morgan, OCBC, PNC, Raiffeisen Bank, Standard Chartered, and Wells Fargo

Vendors mentioned: FISPAN, Koxa, Ninth Wave, Oracle, SAP, and Trovata