Fintech

From the Finnosummit Insights & Research team, we want to tell you a story. And not just any story.

It’s a love story.

It’s the story of the moment when Fintechs stopped looking inward and started looking around with wide-open eyes. When they realized that real growth wasn’t just about building better cards or faster apps, but about matching with other industries—while continuing to collaborate with traditional financial institutions.

And when that match happens, something powerful is born: embedded finance.

Let’s take a look at some of these partnerships that are already bearing fruit.

Chapter 1: Love in a White Coat

Stori + Farmacias Similares

Millions of stories unfold every day inside Dr. Simi’s pharmacies. Recurring customers. Small but consistent purchases. Real needs from real people across Mexico.

Then Stori arrived and asked:
“What if financial inclusion starts in the businesses people already trust?”

That’s how the Stori Simi Card was born, offering 1% cashback on pharmacy purchases. A card that serves as a gateway into the financial system for customers who may have never had access before.

Here, embedded finance means understanding that healthcare can also be a point of financial inclusion.

Chapter 2: The Romance of Entertainment

Mercado Pago + Disney+

Who said digital wallets are only for payments?

With Meli+ Total, Mercado Pago integrates Disney+ into its benefits ecosystem. The subscription stops being a standalone expense and becomes part of your financial loyalty journey.

The fintech doesn’t just process the payment. It embeds it into the experience.

Entertainment becomes a financial benefit. And the wallet becomes a lifestyle platform.

Chapter 3: When the Bank Understands E-Commerce

BBVA + Conekta

Before, paying online meant pulling out your card. Now, you select “Pago Directo BBVA,” get redirected to your app, authorize with biometrics, and the money moves account-to-account in seconds.

No cards.
No friction.
No unnecessary steps.

Here, love makes your life easier. It’s pure efficiency. Traditional banking integrates into the checkout flow as if it always belonged there.

Chapter 4: The Neobank That Found Retail

Nu + OXXO

Mexico has more than 22,000 OXXO stores. Nu understood something simple yet brilliant:

If your users live digitally but their money is still physical, then you need to meet them where they are.

Today, every OXXO is practically an ATM for Nu. Deposits and withdrawals integrated into the neighborhood store.

Embedded finance here isn’t invisible. It’s physical. Capillarity becomes financial infrastructure.

Chapter 5: Working Capital, Right on Time

Bettr + AliExpress (Brazil)

Thousands of small merchants sell on global marketplaces. The problem was never selling—it was financing inventory.

With Bettr Working Capital, AliExpress sellers in Brazil gain immediate access to funding. The fintech embeds itself into the ecosystem—analyzing data, understanding flows, enabling growth at the exact right moment.

That’s embedded finance: funding that appears precisely when the algorithm knows you need it.

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Chapter 6: Buy Today, Pay in Installments

Kueski + Amazon

Amazon and Kueski Pay decided that credit shouldn’t depend on owning a credit card. Now you can split your purchases into biweekly payments using debit, bank account, or even cash through affiliated networks.

Credit is no longer a separate product. It’s an option embedded directly into the checkout.

This is silent democratization.

Chapter 7: Financing Electromobility

GAC + One Car Now

Two thousand Aion UT electric vehicles will hit Mexico’s streets thanks to a partnership combining mobility and financial solutions.

EV adoption depends not only on technology, but on access. Embedded finance here enables fleet financing, flexible acquisition models, and new economic structures.

Finance accelerates the energy transition.

Chapter 8: Fashion and Double Points

Stori + SHEIN

The first co-branded credit card that SHEIN launches globally is with a Mexican fintech.

The SHEIN x Stori Card offers double points and financing benefits.

Fashion becomes a gateway to credit. This isn’t just consumption—it’s financial identity.

Chapter 9: Telecommunications Without Friction

Tapi + Totalplay

Real-time processing.
Automated reconciliation.
More than 55 institutions connected via API.

When a customer pays their internet bill, they don’t think about the financial infrastructure behind it. But it’s there— invisible, intelligent, embedded—because someone (a fintech) designed that infrastructure to make life easier.

Chapter 10: Logistics That Clear Shipments in Minutes

dLocal + DHL Express Brazil

Automated Pix.
Real-time confirmations.
Shipments cleared in minutes instead of hours.

Payments stop being an operational bottleneck.

Embedded finance doesn’t just improve customer experience—it reduces friction between finance and logistics teams.

True Love: When Finance Disappears

All these stories share one thing in common.

Fintechs no longer want to be the center of attention. They want to be the infrastructure supporting every industry.

Money moves without us noticing—just as we explored in our report with the Interledger Foundation on the Internet of Opportunity and financial interoperability.

Credit appears without us explicitly asking for it.
Subscriptions integrate seamlessly.

That’s embedded finance: a financial system that permeates everything, almost invisibly.

And the data supports it:

• The Fintech sector in Latin America grew 340% between 2017 and 2023.

• It captured 46% of the region’s total tech venture capital.

• More than half focus on underserved and underbanked populations.

But the conversation has shifted.

It’s no longer just about growth. It’s about integration. About making the right match.

It’s about understanding that finance is most powerful when it becomes invisible.

That’s why, from the Finnosummit Insights & Research team, we are convinced this goes far beyond tactical partnerships. These are new economic architectures.

We believe the next love story is already on its way—and we’ll be writing about it soon. It may emerge in the least expected industry.

Because when a Fintech falls in love with another industry, it doesn’t just create a product.

It creates a new way of inhabiting the economy.

And once that happens, there’s no turning back.

Industrial convergence is designed at FINNOSUMMIT 2026

The future does not belong to isolated platforms, but to integrated ecosystems.

If you are a leader in innovation in:

• Retail or Health: discover how to implement invisible payments and alternative credit to democratize access to your services.

• Logistics: connect with the tech enablers building the financial infrastructure that links platforms, providers, and cash flows.

• Fintechs or incumbents: this is the stage to design alliances that combine agility with corporate scale.

FINNOSUMMIT 2026 is not just an anniversary edition.
It is the point where financial innovation truly integrates into the real economy.

Are you ready to lead the convergence?
👉 Register for FINNOSUMMIT 2026 and secure your place at the most historic edition to date.