For insurers, banks, retailers and digital platforms, embedded insurance is transforming insurance distribution by making protection a seamless part of digital ecosystems. As ecosystems become more complex, payments and Open Finance become just as critical as insurance technology itself.

AI is already changing the way banks, fintech companies, payment service providers (PSPs) and businesses design services, make decisions and safeguard customer trust. Against a backdrop of automation, agent-based AI, embedded payments and new anti-fraud challenges, the financial sector is now being called upon to ask itself: is artificial intelligence merely a tool for speeding up processes, or can it enable us to rethink the future of financial services?

Payment is no longer just the last mile of a purchase: it is an integral part of the experience. That is why, today, innovation means above all removing obstacles. Discover 5 innovative trends in the payments sector—from digital wallets to Pay by Bank—that can make a difference in an increasingly complex checkout process.

Agent-led payments shift commerce from user-driven checkout to an experience where an AI agent—within clear consent and rules—can choose the best payment method, execute the transaction, and manage post-purchase flows (returns, refunds, loyalty). For retailers and merchants, this means rethinking visibility, trust, and conversion: not only being discoverable to customers, but also to the agents buying on their behalf.

Digitising your business does not end with ERP: it ends when the gaps between systems disappear, especially at the point of payment. Integrating Pay by Bank via PISP is an opportunity to close the loop: invoicing, payment and reconciliation in a single digital chain, without relying on files or manual tasks.

What characterises the energy and utilities sector in the United Kingdom? What financial challenges do companies operating in the utilities sector face? And how can open finance and embedded finance help address the growing complexity of the UK energy market? 

Open banking is increasingly viewed as the first step toward open finance and a catalyst for the era of embedded finance. As this happens, the line between “open banking”, “open finance” and “embedded finance” is becoming more blurred. For customers, the outcome is a smoother, more invisible financial layer; for banks and platforms.

The future belongs to companies that think beyond their own sector. As Embedded Finance converges with Artificial Intelligence, the financial services industry is undergoing a profound transformation. Organizations are moving from simply connecting financial services to building intelligent ecosystems where AI orchestrates personalized, context-aware financial experiences that feel effortless and invisible.

Cash flow management is no longer just a back-office function. When financial services are embedded directly into the platforms where companies sell and operate, cash flows become faster, safer, and more predictable. The article explains how embedded finance enhances liquidity — for example through pay-by-bank solutions — and outlines practical ways to redesign payment flows to optimize cash flow.

Embedded Finance is not about ‘adding another payment method’ to the purchasing process, but rather integrating financial services (insurance, instant transfers, financing, etc.) into the flow itself with the aim of providing a complete experience: paying, financing, insuring or verifying without leaving the same point where the user – consumer or business – is already acting. Discover how Embedded Finance is revolutionising business models.

Insurance-as-a-Service and Embedded Insurance are not simply technological trends, but the natural evolution of an industry adapting to the changing needs of an increasingly digital and interconnected world.

When payment management is inefficient, late payments lead to insolvency and have a direct impact on balance sheets. With PISP services, payments become part of business applications and processes, revolutionising both payment management and payments to other companies and suppliers.

From referring to internal platforms within companies or banks capable of centralising all financial flows, in recent years the term Payment Hub has come to be synonymous with Payment Orchestration solutions, true ‘intelligent engines’ capable of orchestrating transactions between multiple PSPs, acquirers, wallets, and local and international payment methods.

Payment orchestration enables efficient management of cross-border payments via a flexible and scalable international gateway.

Discover how Payment Orchestration enables integrated payments and smart revenue management across digital ecosystems in automotive and urban mobility.

Providing financing services and lines of credit within the purchasing process is the new frontier of credit. Thanks to fully digital onboarding and KYC processes, more and more companies are integrating loan services into their commercial offer to make the most of these solutions. Find out more.

In an increasingly digital world, data has become both the most valuable asset for businesses and a prime target for online fraud attacks such as ransomware. Find out more about this form of cyber fraud and how to protect your business.

The evolution of online lending platforms has revolutionised access to credit, however, behind securing a loan lies a complex web of financial processes that must be managed with precision and security.

Open Banking stems from the EU initiative to develop an open and collaborative financial ecosystem: the PSD2.

Reducing the risk of fraud and scams is a key challenge for businesses in the tourism sector: discover five key strategies to successfully overcome it, creating a secure environment for both customers and the payment flow of business.

Hotels and restaurants are increasingly adopting Payment Orchestration to offer a better payment experience. Discover more about Fabrick's Payment Solutions.

The PIS licence facilitates online payments to and between companies, enabling them to carry out payments directly from their bank account without accessing internet banking. But the advantages do not stop there.

The new form of transfer payment, leveraging the opportunities of PSD2 and Open Banking, revolutionises online and offline payments by enabling direct transactions between bank accounts.

The introduction of the digital identity could revolutionise the digital payments market in Europe, but what is happening in the UK?

Open Finance represents the new frontier in the field of financial and banking services. Thanks to its open and interoperable nature, it allows companies to integrate solutions to simplify and improve payments and collections within the supply chain.

Embedded insurance is revolutionising the industry by enabling companies to easily integrate insurance services into their own products and services. This gives customers faster and simpler access to the insurance they need.

While the digital payments industry is evolving rapidly, one trend remains key: internationalisation and a focus on customer experience. The key to success in 2024 for merchants lies in following these trends and designing a strategy that makes the most of the available technologies.

All those payments that are made with alternative methods to cash are defined as cashless: from more traditional methods such as credit transfers or A2A (Account to Account) payments, payments are currently increasingly digital.

From the point of view of payment collection, Mobility-as-a-Service services require solutions capable of handling payments through platforms that allow transactions to be finalised without friction, while guaranteeing reliability, reduced timeframes and a user experience in line with the expectations of its users.

Cyber fraud is a growing threat to companies in every sector today, despite the continuous evolution of prevention solutions. The SCA helps prevent online frauds, but how can exemptions be managed and conversion rates improved?

Recurring payments are an integral part of the subscription process of many services and products. What are the types of recurring payments and how is best to manage them?

The 3D Secure (3DS) security protocols for the protection of online purchases are a payment protection system created and developed by the leading international payment circuits like Visa and Mastercard, in order to improve the level of security of online transactions with credit and debit cards.

When it comes to fraud prevention, there are some opportunities that came with the PSD2 to ensure the smoothest payment experience to customers while guaranteeing a high level of security and complying with the regulation, improving conversion rates, while also reducing chargeback.

The open platform model promoted by Fabrick represents the core element of Embedded Finance, enabling the integration of these services, while reducing implementation costs and time to market for launching new solutions, simplifying access, increasing competitiveness and therefore, raising the quality level of B2C services.

Even though when we think of credit and debit cards our mind automatically goes to physical ones, virtual cards are now on the rise. However, how do they work and are they safer than their physical counterparts?

Among the most disruptive technological elements of the last decade that have revolutionised our user experience is biometrics, whose large-scale application to smartphones, and beyond, has paved the way for other areas as well, not least that of payments.

Bank reconciliation operations require time and precision. The introduction of PSD2 has paved the way for the development of innovative solutions that automate these tasks, reducing costs and operational risks.

When managing financial assets, it is crucial to know how to choose the ideal tools according to individual needs. Today, players in this field have different solutions at their disposal that can be applied separately or in combination to achieve their clients' investment and planning goals.

Collaboration among cross-industry players on the Fabrick platform and the crossing of financial and non-financial data enable the development of new use cases and business models, accelerating growth and creating new value for customers.

Payment tokenization supports businesses to make the most of an efficient payment processing infrastructure while keeping costs down and optimising authorisation rates and performance.

Artificial Intelligence is the ability of a machine to perform tasks by replicating human intelligence. What are the main areas of application of AI in payments and how fast is this market growing?

Buy Now Pay Later (BNPL) is a growing global trend many businesses have adopted in their payment offering for their Ecommerce.

Fashion is among the sectors that can benefit the most from the innovative solutions offered by payment orchestration platforms.

In the late 1990s and early 2000s, some companies started offering their software solutions in the 'as-a-Service' formula. Today, thanks to the changes introduced by PSD2, banking services can also be provided in this mode.

The digitisation of the Chinese population has strongly involved both digital and physical payments, which translates into a huge purchasing potential regarding digital payment platforms not only in the domestic market but around the rest of the world. What are the most popular alternative payment systems for the Chinese audience?

Banking and Financial services firms have long been reluctant to make the most of the potential of digital technology, however they are increasingly using digital technology to change.

The concept of blockchain has been holding stage for a long time in many media that address issues related to the innovation of digital payments. How can this decentralised technology revolutionise the world of finance?

What are the main solutions companies operating in the catering and hospitality sectors can rely on to remain competitive in an increasingly digital and open market?

P2P payments via apps and digital wallets are increasingly used for transferring money between people due to their ease of use and low cost. What exactly are P2P payments and how do they impact companies' business models?

Market growth trends are a clear indicator of customers’ payment preferences at the moment around the world. Ecommerce transactions can be Customer Initiated (CIT) or Merchant Initiated (MIT), some of which are Card On File (COF). Discover more.

After a long await, on 28 June 2023, the European Commission announced a wide-range package of proposals to amend and modernise PSD2 with a third Payment Services Directive (PSD3), introduce a brand-new Payment Services Regulation (PSR), advance a new framework for financial data access (FIDA) and set out a framework for a possible new digital form of the euro (Digital Euro).

The integration of financial products in non-financial customer journeys can become a strategic asset for companies to streamline their processes, scale internationally, and evolve their business models.

The number of failed transactions can be significantly narrowed by implementing the right payment processing platform based on smart routing.

The European PSD2 directive introduced a new category of entities, TPPs (Third Party Providers), authorised to access bank data to provide financial and payment services.

A payment orchestration platform helps merchants prevent fraud, maximise conversions and reduce failed transactions.

PSD2 is the European Payment Services Directive that enabled the rise of Open Banking, revolutionising the world of payments.

Payment orchestration handles all aspects of recurring payments and effectively answers to the payment needs of subscription Ecommerce businesses.

APIs are an essential element for Open Banking and Open Finance, enabling PSD2 to transform the banking sector.