Plugging fintech services into your products is tough 3 THE PROBLEM - FOR ANYONE WHO WANTS TO USE EMBEDDED FINANCE A Fintech Tech Stack is expensive APIs are not standardized and need integration every time Orchestration layer is mission critical and not easy to build Interfaces needed Frontends not supplied Customers don’t touch APIs - customers touch devices Typically - € 500k - € 5million investment - 12 - 24+ months development Nearly all propositions require similar combination and integrations of several API - vendors over and over again Why build connections, security, single sign - on, abstraction, GDPR etc. when this can be productised? *every fintech supplier is different