Gemba Finance Ltd., a UK-based Authorised Payment Institution, has expanded its embedded finance platform with official listings on the Microsoft Commercial Marketplace and Google Cloud Marketplace. This move enables global technology companies to integrate financial services and launch fully branded banking applications in under seven minutes, bypassing traditional regulatory and capital hurdles. The company’s ‘Turnkey Banking’ model abstracts the complexity of compliance and banking infrastructure, allowing partners to focus on product development and community growth.
The platform introduces a disruptive economic model where partners can retain up to 70% of revenue from custom fees they set for users, alongside a 20% share of base transaction fees. This transforms banking from a cost center into a significant profit engine for technology platforms. Partners join a ‘Fintech Marketplace’ ecosystem where applications can interact, share liquidity, and access plug-and-play financial services, creating new monetization opportunities for user bases.
Gemba’s marketplace launch is supported by what the company calls a ‘Trust Trinity’ of regulatory and institutional backing. Partners operate under Gemba’s Financial Conduct Authority license (FRN: 804853), with Gemba assuming full liability for know-your-customer, anti-money laundering, and sanctions screening requirements. All funds are safeguarded through Gemba’s correspondent banking network, providing enterprise-grade security. The company’s selection for the JPMorgan Chase Fintech Forward Programme and recognition as a UK Government-Recommended Banking Partner through the Department for Business & Trade’s Investment Support Directory further validate its operational robustness.
The white-label banking solution is available immediately on both cloud marketplaces, with enterprise clients able to leverage existing Azure Consumption Commitments or Google Cloud commits for procurement. This strategic expansion follows Gemba’s vision of creating a global financial marketplace where technology founders can become fintech founders without the traditional barriers of regulatory approval, capital requirements, and complex banking partnerships that have historically limited market entry.
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