{"id":22546,"date":"2026-02-13T15:07:38","date_gmt":"2026-02-13T15:07:38","guid":{"rendered":"https:\/\/www.finnosummit.com\/?p=22546"},"modified":"2026-02-13T15:27:19","modified_gmt":"2026-02-13T15:27:19","slug":"when-fintechs-fall-in-love-chronicles-of-an-inevitable-match","status":"publish","type":"post","link":"https:\/\/www.finnosummit.com\/en\/when-fintechs-fall-in-love-chronicles-of-an-inevitable-match\/","title":{"rendered":"When Fintechs Fall in Love: Chronicles of an Inevitable Match"},"content":{"rendered":"
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From the Finnosummit Insights & Research team, we want to tell you a story. And not just any story.<\/p>\n

It\u2019s a love story.<\/p>\n

It\u2019s 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\u2019t just about building better cards or faster apps, but about matching with other industries\u2014while continuing to collaborate with traditional financial institutions.<\/p>\n

And when that match happens, something powerful is born: embedded finance.<\/p>\n

Let\u2019s take a look at some of these partnerships that are already bearing fruit.<\/p>\n

Chapter 1: Love in a White Coat<\/h3>\n

Stori + Farmacias Similares<\/strong><\/p>\n

Millions of stories unfold every day inside Dr. Simi\u2019s pharmacies. Recurring customers. Small but consistent purchases. Real needs from real people across Mexico.<\/p>\n

Then Stori arrived and asked:
\u201cWhat if financial inclusion starts in the businesses people already trust?\u201d<\/p>\n

That\u2019s 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.<\/p>\n

Here, embedded finance means understanding that healthcare can also be a point of financial inclusion.<\/p>\n

Chapter 2: The Romance of Entertainment<\/h3>\n

Mercado Pago + Disney+<\/strong><\/p>\n

Who said digital wallets are only for payments?<\/p>\n

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.<\/p>\n

The fintech doesn\u2019t just process the payment. It embeds it into the experience.<\/p>\n

Entertainment becomes a financial benefit. And the wallet becomes a lifestyle platform.<\/p>\n

Chapter 3: When the Bank Understands E-Commerce<\/h3>\n

BBVA + Conekta<\/strong><\/p>\n

Before, paying online meant pulling out your card. Now, you select \u201cPago Directo BBVA,\u201d get redirected to your app, authorize with biometrics, and the money moves account-to-account in seconds.<\/p>\n

No cards.
No friction.
No unnecessary steps.<\/p>\n

Here, love makes your life easier. It\u2019s pure efficiency. Traditional banking integrates into the checkout flow as if it always belonged there.<\/p>\n

Chapter 4: The Neobank That Found Retail<\/h3>\n

Nu + OXXO<\/strong><\/p>\n

Mexico has more than 22,000 OXXO stores. Nu understood something simple yet brilliant:<\/p>\n

If your users live digitally but their money is still physical, then you need to meet them where they are.<\/p>\n

Today, every OXXO is practically an ATM for Nu. Deposits and withdrawals integrated into the neighborhood store.<\/p>\n

Embedded finance here isn\u2019t invisible. It\u2019s physical. Capillarity becomes financial infrastructure.<\/p>\n

Chapter 5: Working Capital, Right on Time<\/h3>\n

Bettr + AliExpress (Brazil)<\/strong><\/p>\n

Thousands of small merchants sell on global marketplaces. The problem was never selling\u2014it was financing inventory.<\/p>\n

With Bettr Working Capital, AliExpress sellers in Brazil gain immediate access to funding. The fintech embeds itself into the ecosystem\u2014analyzing data, understanding flows, enabling growth at the exact right moment.<\/p>\n

That\u2019s embedded finance: funding that appears precisely when the algorithm knows you need it.<\/p>\n

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Chapter 6: Buy Today, Pay in Installments<\/h3>\n

Kueski + Amazon<\/strong><\/p>\n

Amazon and Kueski Pay decided that credit shouldn\u2019t 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.<\/p>\n

Credit is no longer a separate product. It\u2019s an option embedded directly into the checkout.<\/p>\n

This is silent democratization.<\/p>\n

Chapter 7: Financing Electromobility<\/h3>\n

GAC + One Car Now<\/strong><\/p>\n

Two thousand Aion UT electric vehicles will hit Mexico\u2019s streets thanks to a partnership combining mobility and financial solutions.<\/p>\n

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

Finance accelerates the energy transition.<\/p>\n

Chapter 8: Fashion and Double Points<\/h3>\n

Stori + SHEIN<\/strong><\/p>\n

The first co-branded credit card that SHEIN launches globally is with a Mexican fintech.<\/p>\n

The SHEIN x Stori Card offers double points and financing benefits.<\/p>\n

Fashion becomes a gateway to credit. This isn\u2019t just consumption\u2014it\u2019s financial identity.<\/p>\n

Chapter 9: Telecommunications Without Friction<\/h3>\n

Tapi + Totalplay<\/strong><\/p>\n

Real-time processing.
Automated reconciliation.
More than 55 institutions connected via API.<\/p>\n

When a customer pays their internet bill, they don\u2019t think about the financial infrastructure behind it. But it\u2019s there\u2014 invisible, intelligent, embedded\u2014because someone (a fintech) designed that infrastructure to make life easier.<\/p>\n

Chapter 10: Logistics That Clear Shipments in Minutes<\/h3>\n

dLocal + DHL Express Brazil<\/strong><\/p>\n

Automated Pix.
Real-time confirmations.
Shipments cleared in minutes instead of hours.<\/p>\n

Payments stop being an operational bottleneck.<\/p>\n

Embedded finance doesn\u2019t just improve customer experience\u2014it reduces friction between finance and logistics teams.<\/p>\n

True Love: When Finance Disappears<\/h2>\n

All these stories share one thing in common.<\/p>\n

Fintechs no longer want to be the center of attention. They want to be the infrastructure supporting every industry.<\/p>\n

Money moves without us noticing\u2014just as we explored in our report with the Interledger Foundation on the Internet of Opportunity and financial interoperability.<\/p>\n

Credit appears without us explicitly asking for it.
Subscriptions integrate seamlessly.<\/p>\n

That\u2019s embedded finance: a financial system that permeates everything, almost invisibly.<\/p>\n

And the data supports it:<\/p>\n