Embedded finance is transforming the landscape of corporate treasury management, according to a new report, Banking Built-In: The Embedded Finance Imperative in Corporate Treasury, published by Celent, now part of GlobalData.

As corporate-to-bank connectivity becomes increasingly complex, embedded finance is emerging as a game-changing force, offering businesses seamless integration of financial data directly into corporate finance platforms. This shift is driven by the growing demand for real-time, contextually relevant financial experiences that enhance operational efficiency. For banks, this trend is not just reshaping client expectations but also altering technology priorities and partnership models.

The Impact on Banks and Corporate Clients

Celent’s analysis reveals that the largest global banks are intensifying their IT investments in embedded finance, positioning it as a top priority. The report underscores the urgency for Tier 2 and smaller banks to catch up. As financial data integration into corporate systems becomes increasingly crucial, banks must adapt their strategies to meet evolving client needs.

The report highlights that banks are either developing embedded finance capabilities in-house or partnering with fintech firms to deliver the required connectivity. Notably, major financial institutions like Bank of America, Citi, HSBC, J.P. Morgan, and Wells Fargo are already integrating API-based banking solutions to enhance their corporate banking offerings. Celent is helping both banks and fintech vendors navigate this rapidly evolving space to stay competitive.

Featured Vendors and Solutions

Prominent vendors driving the embedded finance shift include FISPAN, Oracle, SAP, and Trovata, who are supporting banks in delivering advanced corporate-to-bank connectivity solutions. The 30-page report also delves into the strategies of banks like DBS, HDFC Bank, and PNC, offering insights into how they are leveraging embedded banking and BaaS (Banking as a Service) to meet the needs of corporate clients.

Related Insights:

• J.P. Morgan Payments Partner Network: Delivering seamless end-to-end payment experiences.

• PNC Bank PINACLE Connect℠: Integrating banking services directly with ERP and TMS systems.

• Corporate-to-Bank Connectivity: Exploring the evolution of embedded finance for transaction banking.

The report provides a comprehensive view of how embedded finance is becoming a critical factor for financial institutions and their corporate clients, reshaping banking technology and the future of corporate finance management.