International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 8, Issue 4 (July-August 2026) Submit your research before last 3 days of August to publish your research paper in the issue of July-August.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 8 Issue 4
July-August 2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

Invisible Banking: How Embedded Finance will Erase Traditional Banks

Author(s) Mr. Sahhil Chhabra
Country India
Abstract Embedded finance refers to the seamless integration of financial services – payments,lending, insurance, and more – into the products and platforms of non-financial companies.In practice this means that consumers obtain financial services in the context of everydayactivities (for example shopping, ride-sharing, or payroll) rather than by going to a bank orfinance app. By “bringing banking to the customer” in context, embedded finance makesbanking essentially invisible – the bank is just a back‐end utility while the customerinteracts with a retailer, platform or app. Indeed, as one expert notes, “the financial systemof the future won’t be built in banks – it’ll be embedded in the apps, platforms and servicespeople already use”. This paper examines the rise of embedded finance: defining theconcept and its evolution, surveying key use cases (such as Amazon, Shopify, Uber, ApplePay, and others), analyzing impacts on traditional banks and customer relationships,considering regulatory and security issues, describing technological enablers (APIs,Banking-as-a-Service, fintech partnerships), and exploring remaining challenges andfuture trends in financial intermediation. The overall thesis is that as embedded financeproliferates, banking will recede from view and traditional banks will increasingly serve asinvisible infrastructure providers.
Field Business Administration
Published In Volume 8, Issue 4, July-August 2026
Published On 2026-07-14
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI prefix of IJFMR is 10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 8 Isu 4Cover Page Vol 8 Isu 3Cover Page Vol 8 Isu 2

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com
Powered by Sky Research Publication and Journals