Podcast: Next in Finance (Ep 1: Michael Petrilli x Trina Ray Chaudhary)

In this premiere episode of ‘Decoding Embedded Finance’, a new thought-leadership podcast series powered by ViewTrade, fintech founder and embedded finance expert Trina Ray Chaudhary joins our host Michael Petrilli, Director of NextGen Investing at ViewTrade, to explore the opportunities, risks, and strategies shaping the rapidly evolving space of embedded technology.

Guest: Trina Ray Chaudhary, Fintech Founder & Embedded Finance Expert

Why Embedded Finance Matters Today?

For banks, fintechs, and enterprises alike, embedded finance represents both a competitive priority for some institutions and potential a growth opportunity. The concept is simple: bring financial services payments, lending, investing, or insurance directly into the platforms where customers already spend their time. The impact, however, may be far-reaching.

• Customer expectations are shifting. Today’s users want financial services that are seamless, contextual, and personalized.

• Economic pressures are mounting. High customer acquisition costs and tighter margins mean providers must find new ways to deepen relationships and build loyalty.

• Competition is intensifying. Non-bank players, from retailers to digital-first platforms, are increasingly capturing financial touchpoints once reserved for traditional institutions.

As Trina explains, embedded finance is not about adding more apps or portals—it’s about meeting customers where they are, at the exact moment of need. That could mean embedding credit at the point of sale, integrating stock trading into payroll platforms, or offering instant microinsurance with a purchase.

Key Takeaways:

Embedded Finance Is Gaining Momentum: What started as a niche offering is now the foundation of how banks, fintechs, and enterprises deliver value to customers.

• Global Access Is Driving Demand: From Asia to the GCC, investors increasingly expect seamless access to U.S. and international markets – embedded finance may help support this demand.

• Crises Can Accelerate Adoption: Oil slumps, currency pressures, and COVID demonstrated the importance of global diversification and digital-first investing solutions.

• Banks Are Becoming Platforms: Traditional banks are shifting from being sole distributors to serving as regulated infrastructure partners for fintechs and enterprises.

• Trust and Compliance Are Critical: Regulation, security, and data privacy are critical. Without them, even the best integrations face significant risks.

• The Potential ROI: Embedded finance has the ability to improve customer experience and may open opportunities for new revenue streams and stronger customer loyalty.

What is Embedded Finance?

Embedded finance refers to the integration of financial services such as digital banking, payments, lending, or insurance directly into the platforms, apps, or products of non-financial companies. Instead of sending customers to a bank or third-party provider, embedded finance brings those services into the user experience itself.

For example, a retail app can offer “buy now, pay later” loans, a ride-hailing platform can provide driver insurance, or a B2B marketplace can enable instant supplier payments all without building a bank from scratch.

The value of embedded finance lies in its seamless and behind-the-scenes experience: businesses can offer financial tools tailored to their customers, employees, and partners, while relying on licensed financial institutions and fintech providers for the regulatory and technical infrastructure.

In short, embedded finance empowers non-financial brands to act like fintechs – potentially creating new revenue streams, supporting stronger customer loyalty, and helping make financial services more accessible than ever.”

ViewTrade’s Role in Driving Embedded Finance

At ViewTrade, we partner with financial institutions, fintechs, and enterprises to deliver the infrastructure, compliance, and technology that make embedded finance possible. With decades of global expertise and a focus on cross-border investing, APIs, and digital-first solutions, ViewTrade helps clients explore new revenue streams and expand access to markets worldwide.

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Disclaimer: The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the official policy or position of ‘ViewTrade Holding Corporation’. This podcast is intended for informational purposes only and does not constitute financial, legal, or investment advice. Listeners should consult their own advisors before making any financial decisions. ‘ViewTrade’ make no guarantees as to the accuracy or completeness of any information presented. Regulatory requirements and market access capabilities may vary by jurisdiction and are subject to change.