Stacy Bishop Explains Why Embedded Banks Is So Amazing! | Biz To Biz Podcast

1 Apr 2025 · 2 min

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1:37

Stacy Bishop discusses embedded banking, a financial services model where companies integrate banking directly into their platforms. She projects a $170 billion market opportunity by 2030, with hundreds of millions in growth expected over the next four years. Embedded banking lets fintechs move money through cards, ACH transfers, and wires without building their own banking infrastructure.

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But you're exactly right, Allen. I— embedded banking is the thing right now. It is such an untapped market at this point in the US, especially in the statistics as far as growth opportunities are, hundreds of millions of dollars over the course of the next 4 years by 2030. It's amazing. Like, I think somewhere $170-ish billion, uh, if I'm not mistaken, is just up for grabs. And to your point, there are these fintechs, these— and when I say fintech, any company that's moving money, and it can be moving money across a variety of different ways or paths. That could be with credit cards, debit cards, it can be via ACH, wires. There's a broad term. This fintech is, is pretty broad in its reach, but all of these companies that are starting, they need a way to move money and they are looking for relationships. Either directly with banks and credit unions, where a great deal of my specialty is, or with other types of payment providers out there in the industry. So it's also, however, just one of the, the least tapped markets right now. Tons of opportunity in the banking space. You'll hear this referred to as embedded banking, embedded finance, or another term is BaaS, B-A-A-S, and that stands for banking as a service. Oh, oh.