Embedded finance and ISO 20022 data analytics
Embedded payments, banking as a service, and what richer ISO 20022 data makes possible
Embedded finance and ISO 20022 data analytics: embedded payments, banking as a service, and what richer ISO 20022 data makes possible.
What You Can Do After This Chapter
Learning objective. Learner explains embedded finance and banking as a service, including the API layer, ledgering and control, and describes what ISO 20022 data makes possible as an asset. Learner designs analytics for liquidity, fraud and customer insight, explains real-time streaming with Kafka and the payment event log, states where AI helps in reconciliation and exception prediction, and describes the 2030 payment stack.
Practical assessment. Learner receives a case where a ride-hailing app wants to pay drivers instantly, then designs the embedded finance model, the BaaS API layer, the ledgering, and the controls. Learner also defines the analytics that track liquidity and fraud on the new flow.
Expected deliverables.
- Embedded finance model diagram
- BaaS API and control note
- Analytics specification: liquidity, fraud, customer insight
- 2030 payment stack note
Completion criterion. Learner designs a coherent embedded finance model with correct ledgering and controls, and defines usable liquidity and fraud analytics.
- Embedded finance: payments inside another company's product
- Banking as a service in practice: the API layer, ledgering and control
- Payment data as an asset: what ISO 20022 data enables
- Analytics on payment data: liquidity, fraud and customer insight
- Real-time data and streaming: Kafka, events and the payment event log
- AI in payments operations: reconciliation matching, exception prediction and governance
- The future payment stack: what a 2030 payment platform looks like
Start Lesson 1: Embedded finance: payments inside another company's product →