Brand + Loyalty + Revenue in Deserve's Integrated Finance and New Credit Card Platform – Tearsheet
Brand + Loyalty + Revenue in Deserve’s Integrated Finance and New Credit Card Platform – Tearsheet

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Brand value, user loyalty and revenue through the prism of integrated finance

Embedded finance is everywhere, and affects everything, both financial and non-financial spaces. Integrated finance solutions – leveraged for banking, insurance, lending and payments as a service – are becoming the most widely adopted digital technologies.

The spectacular rise of integrated finance is not expected to slow down any time soon.

Nearly half (47%) of U.S. businesses are currently investing in digital financial solutions and planning to launch them. As a result, the integrated finance market is expected to reach a market value of $138 billion by 2026.

Read more (sponsored by Netspend)

The last briefing

Lending Brief: Deserve’s New Credit Card Platform, Credit Inclusion, and Collateral Crypto

Software as a service is extrapolating into various areas of finance, with general financial products and services now being transformed into simple code that can be integrated into any existing digital service.

White-label business loans are also flourishing, aimed at helping businesses serve other businesses by giving them easy access to capital. The latest to come on the market with such a solution is Meritwho has just launched Commercial credit card platform.

We spoke to Deserve about this new product – five questions with fintech co-founder and CEO Kalpesh Kalpadia.

In other news, credit inclusion is slowly progressing in the US and community banks are starting to work with crypto lenders to accept portions of their loans for cryptocurrency.

Learn more (exclusive to Outlier members)

Just look at the charts

1. Student loan debt by age

Source: Nate Silver

2. Branches continue to be an important channel for achieving results

Source: David Jimenez-Maireles

today’s stories

Circle raises $400 million
Circle, a crypto-focused fintech company, has reached an agreement for a $400 million funding round that is expected to close in the second quarter of 2022 (TechCrunch)

Fidelity launches metaverse and digital payments ETFs
Fidelity Investments said it plans to offer two ETFs to investors to expose them to the broader crypto, blockchain and digital payment ecosystems (CoinDesk)

FIS launches Banking-as-a-Service hub
Fintech leader FIS has announced its Banking-as-a-Service Hub, enabling banks, credit unions and fintechs to build digital banking and payment ecosystems for merchants and consumers (Finextra)

FDIC Requires Notification of Crypto-Related Activities
All FDIC-supervised institutions that plan to engage or are currently engaging in activities involving or related to cryptoassets are now required to notify the FDIC (Crowdfunding Participant)

Deserve launches commercial credit card platform
Deserve has announced that it can now empower its banks and B2B customers with a new tool, the Commercial Cards Platform, which allows customers to add a commercial payment card offering to their range of products (completed)

What future for banks?
Recently, the big bank earnings headlines have focused on expected declines in revenue and bottom line. This will be partly because the practice of releasing loan reserves has boosted results in recent quarters (PYMNES)

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