Project Overview
Looking for an experienced Fintech / Embedded Finance Specialist to help define the Embedded Finance use cases for a new fintech venture.
The goal is to identify financial services that can be embedded inside digital platforms and marketplaces across selected industries.
This engagement focuses on business architecture, financial use cases, and partnership models — not UI/UX design.
Target Sectors
The consultant will analyze and design Embedded Finance use cases across the following priority sectors:
1. E-commerce & Online Marketplaces
• Buy Now Pay Later (BNPL)
• Merchant cash advance
• Checkout financing
• Marketplace payment split
• Seller wallets
2. Real Estate Platforms
• Rent Now Pay Later
• Mortgage pre‑approval
• Escrow payments
• Property transaction wallets
• Property insurance embedding
3. Mobility & Transportation
• Vehicle financing
• Driver wallets
• Fuel credit
• Fleet financing
4. B2B Marketplaces / SME Platforms
• SME working capital financing
• Invoice financing
• Supplier payments
• Trade credit
5. Travel & Hospitality Platforms
• Travel financing
• Installment payments
• Travel insurance embedding
• Loyalty wallets
6. Education Platforms (EdTech)
• Tuition installment plans
• Student financing
• Education insurance
7. Healthcare Platforms
• Medical financing
• Installment payments for procedures
• Health insurance integration
Key Responsibilities
1. Embedded Finance Use Case Identification
Define and structure the financial services that can be embedded within each sector.
2. Financial Product Architecture
For each use case define:
• Target customer
• Revenue model
• Required financial partners
• Regulatory considerations
3. Competitive Benchmarking
Identify global examples of similar embedded finance implementations.
Deliverables
The consultant will deliver a structured document including:
• Embedded Finance use cases by sector
• Financial product stack
• Target customer segments
• Revenue model for each use case
• Required ecosystem partners
• Global benchmark companies
Estimated Duration
1–2 weeks
Required Experience
• Experience in fintech or embedded finance
• Knowledge of lending, payments, wallets and fintech infrastructure
• Experience working with digital platforms or marketplaces
Outcome
This work will serve as the strategic foundation for building the embedded finance platform and defining future product development and partnerships.
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