← State of Embedded Finance 2026

Finastra Partner

Can Finastra's open platform and BaaS layer become the embedded finance operating system for the world's financial institutions, enabling them to offer modern payments, lending, and digital banking without rebuilding their core infrastructure?

Founded2017
HQLondon, UK (Paddington, Westminster)
Latest roundDebt Financing (private)
IndustryInfrastructure / BaaS
The story

Finastra was formed in 2017 through the merger of Misys and D+H, combining deep banking software expertise across treasury, lending, retail banking, and payments. It repositioned as an open platform company with the FusionFabric.cloud launch, enabling an ecosystem of third-party fintech apps to integrate with Finastra's banking software infrastructure. The company has since expanded into embedded finance—offering Banking as a Service capabilities, embedded lending through partnerships with Microsoft and merchants, and cross-border payment rails—targeting financial institutions as its core customers rather than end consumers or merchants directly.

Last 12 months
2025-03
Product timeline
2017
Finastra formed from the merger of Misys and D+H, creating one of the world's largest fintech companies providing financial services software.· pivot
2018
Launched FusionFabric.cloud, an open developer platform and PaaS enabling third-party fintechs to build and distribute apps on top of Finastra's banking software.· banking
2022
Announced BaaS collaboration with Microsoft to bring embedded lending options to SMEs within Microsoft Dynamics 365.· lending
2022
Published Finastra Embedded Consumer Lending brochure and Lending as a Service offering connecting financial institutions, distributors, merchants, and customers.· lending
2025
Announced strategic partnership with i2c Inc. to offer debit card issuance and digital wallet solutions to North American banks and credit unions.· card
The stack
Payments / PSP
Finastra Global PAYplus (GPP) (self-operated)Finastra Payments Hub (self-operated)
Card issuing
i2c
Lending
Finastra Embedded Consumer Lending (Lending as a Service)Finastra Originate (digital loan origination)POS financing powered by Jifiti (BNPL for merchants, banks, platforms)Working capital tech infrastructure (via CredAble BaaS)Pre-to-post-shipment financing for SMEs (via CredAble)SME embedded lending within Microsoft Dynamics 365 (BaaS collaboration with Microsoft)
Open banking
Salt Edge
FX & payouts
Visa Direct
Accounting gap: none