This possibility greatly rides on the wave of embedded finance, and banking as a service is linked to a digital transition especially with growing demand on simple, direct experience and bundled offerings. That impact will be also mirrored in the different business areas such as big techs, software companies, logisticlogistics firms, including retail companies, towhich will implement embedded finance to serve both consumer and business segments. For consumers, this means seamless ease; businesses can get not only a bank account from their payment service provide,provider but also, they can receive their payment via messengers, Appmessenger Apps from their customers. 2022 will be the year of experimenting for financial institutions and for reshaping their business ecosystem around a collaborative and more open platform approach across financial and non-financial products. That allAll of this will facilitate the growth of embedded finance.