Industry Newsembedded financecross border paymentsaudax fintechdata products
Audax Challenges Banks To Embrace Data Mediation
7.1
Audax Financial Technology urges traditional banks to adopt embedded finance and become data mediators, Kelvin Tan said, as institutions address low ROE and legacy systems ahead of 2026. Tan argues banks can monetize partner-sourced data, leverage interoperability and stablecoins for cross-border payments, and must modernize cloud and data infrastructure or risk operational failure.
Key Points
- 1Advocates banks adopt embedded finance to access partner ecosystems and scale customer acquisition
- 2Highlights data mediation as new revenue source, leveraging trust and security to create data products
- 3Warns banks must modernize cloud, infrastructure, and interoperability now or face operational failure
Scoring Rationale
Solid industry-level insight and actionable strategy, limited by single-company perspective and lack of empirical evidence.
Sources
Public references used for this report.
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