Speed of light - That’s how fast trends seem to keep jolting in the present world of finance. A few weeks back, we analyzed the confluence of the two biggest megatrends in the form of neobanks offering buy now pay later (BNPL) products that were making headlines. Today, we extend that confluence hypothesis even further and look at the confluence of the triumvirate that is redefining the way financial products are ideated, conceptualized, launched, distributed, and commercialized. The third entity that we are referring to is the participation of non-bank enterprises in financial services – another megatrend that is also known as embedded finance.