“Imagine you’re browsing for a car online. You already know what you want: brand, fuel type, seating… and those choices give banks rich contextual data. Add open banking insights, and suddenly the bank knows your financial profile too. The result? A personalized car loan offer, instantly approved, tailored to your income, with flexible monthly payments. And if you’ve taken full insurance, the bank might even lower your rate because you’re protecting the asset. That’s the power of embedded finance and open banking: hyper-personalized, frictionless, and right at the moment of intent.”
Nicolas de Genot, Open Banking Lead Product Manager at SBS
What if banking wasn’t something you did, but something that simply happened? In this episode, we explore how financial services are vanishing from view and embedding themselves into everyday life. From AI-powered personalization to real-time payments and open finance, discover how banks are transforming into silent partners: anticipating your needs, automating decisions, and delivering seamless experiences before you even ask. Join us as we decode the rise of invisible banking, where friction fades, trust deepens, and finance becomes intuitive, ambient, and everywhere.