Barclays
Also a provider — view Barclays’s profile →“How does a 330-year-old universal bank modernise its corporate and consumer financial infrastructure through selective fintech partnerships while defending its full-service banking licence across UK, US, and international markets?”
Barclays is one of the world's oldest and largest universal banks, operating across personal banking, corporate banking, investment banking, and wealth management globally. It has increasingly invested in digital and embedded finance capabilities — most visibly through Barclaycard's merchant services and cash advance products, a US consumer bank built around co-branded credit cards, and enterprise-grade FX and trade-finance platforms for corporates. The bank has pursued a strategy of selectively partnering with fintechs (Amount for BNPL, Trade Ledger for working capital) rather than building all capabilities in-house, while also developing proprietary digital identity infrastructure (Barclays Verify).