Gemba Finance Ltd., a UK-based Authorised Payment Institution, has expanded its embedded finance platform through official listings on the Microsoft Commercial Marketplace and Google Cloud Marketplace. This strategic move enables global technology companies to transform into fintech providers without traditional regulatory burdens, allowing them to launch fully branded banking applications in under seven minutes.
The platform addresses significant barriers that have historically prevented non-financial companies from entering banking services, including years of regulatory approval processes, substantial capital requirements, and complex banking partnerships. Gemba's "Turnkey Banking" model allows software platforms, marketplaces, and digital communities to embed financial services instantly through their existing technology infrastructure.
Alexander Legoshin, CEO of Gemba, stated that the company is building a global financial marketplace where technology founders can become fintech founders by abstracting compliance complexity and banking infrastructure requirements. This approach allows partners to concentrate on product development and community growth rather than regulatory navigation.
Gemba introduces an economic model that transforms banking from a cost center to a revenue generator for partner companies. In a market-leading arrangement, partners can retain up to 70% of revenue from custom fees they establish for their users, alongside a 20% share of base transaction fees. This structure enables platforms to monetize their user bases more effectively than previously possible.
The company's marketplace debut is supported by what it terms 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 procedures, anti-money laundering compliance, and sanctions screening. All funds are safeguarded through Gemba's correspondent banking network, providing additional security for users and partners.
Institutional validation comes from Gemba's selection for the JPMorgan Chase Fintech Forward Programme and its recognition as a UK Government-Recommended Banking Partner through listing in the Department for Business & Trade's Investment Support Directory. These endorsements validate the platform's operational robustness for enterprise-grade deployments.
The white-label banking solution is available immediately through major cloud marketplaces, with enterprise clients able to leverage existing cloud commitments for procurement. Partners gain access to a "Fintech Marketplace" ecosystem where applications can interact, share liquidity, and access plug-and-play financial services beyond standalone banking functionality.
This development represents a significant shift in financial services accessibility, potentially accelerating fintech adoption across multiple industries. By reducing entry barriers and providing substantial revenue retention opportunities, Gemba's platform could reshape how technology companies approach financial services integration. The availability through established cloud marketplaces at https://ge.mba further streamlines adoption for organizations already utilizing these platforms for their technology infrastructure.
