Frost

Frost & Sullivan is a global market research and consulting firm — not an embedded finance operator. The evidence base is largely noise from other 'Frost'-named entities (Frost Bank, Frost & Company accounting, De-Ice's James Frost quote at Worldpay) and from Frost & Sullivan's own research reports (e.g., a Marqeta product-leadership write-up hosted at frost.com/wp-content/uploads/). No evidence of embedded finance products offered by Frost & Sullivan itself.