Goldman Sachs Partner
“Can Goldman Sachs become the API-first financial infrastructure powering embedded finance products — cards, savings, lending, and treasury — for the world's largest consumer and enterprise platforms?”
Goldman Sachs, a 150-year-old investment bank, launched its consumer and embedded finance push in the late 2010s under the Marcus brand and its Enterprise Partnerships division, offering credit cards, high-yield savings, and lending via API to major brand partners such as Apple and Amazon. It simultaneously built a Transaction Banking (TxB) platform targeting corporate and institutional clients with digital cash management, treasury, and cross-border payment capabilities. After mixed results in consumer banking, Goldman has increasingly focused on its B2B embedded finance model — powering financial products inside third-party ecosystems rather than building direct-to-consumer brands.