Gemba Finance Ltd., a UK-based Authorised Payment Institution, has announced the expansion of its embedded finance platform with listings on the Microsoft Commercial Marketplace and Google Cloud Marketplace. This move enables global technology companies to pivot into fintech without the traditional regulatory and capital barriers, allowing them to launch fully branded banking apps in under seven minutes.
The company's 'Turnkey Banking' model is designed to let any software platform, marketplace, or digital community embed financial services instantly. Gemba's CEO, Alexander Legoshin, stated, 'We are building a global financial marketplace where every tech founder can become a fintech founder.' By abstracting the complexity of compliance and banking rails, Gemba allows partners to focus on product development and community growth.
Gemba's offering includes a disruptive economic model that transforms banking from a cost center into a profit engine. Partners can retain up to 70% of revenue on custom fees they set for their users, along with a 20% share of base transaction fees. Additionally, partners join a 'Fintech Marketplace' where apps can interact, share liquidity, and access plug-and-play financial services.
Underpinning the marketplace debut is a 'Trust Trinity' of regulatory and institutional backing. Partners operate under Gemba's FCA license, with Gemba assuming full liability for KYC, AML, and sanctions screening. All funds are safeguarded through Gemba's correspondent network. The company's participation in the JPMorgan Chase Fintech Forward Programme and its listing in the Department for Business & Trade's Investment Support Directory provide further validation.
Gemba's white-label banking solution is available immediately on the Microsoft Commercial Marketplace and Google Cloud Marketplace. Enterprise clients can leverage existing Azure Consumption Commitments or Google Cloud commits to streamline adoption and procurement. For more information, visit https://ge.mba.
