OneDrive
“How can Microsoft make OneDrive the default cloud storage layer for every Microsoft 365 consumer and enterprise customer globally?”
Founded2007
HQRedmond, Washington, USA
FoundersMicrosoft Corporation
IndustryHorizontal SaaS / Cloud Storage
The story
OneDrive is a cloud file storage and synchronization product owned and operated by Microsoft Corporation, launched in 2007 as Windows Live SkyDrive. It is not an independent fintech or embedded finance company; it is a product division of Microsoft. As such, it has no standalone embedded finance stack — any financial or payment infrastructure present belongs to Microsoft's broader enterprise licensing and Azure billing systems. Evidence collected is largely about Microsoft's data processing and compliance infrastructure, not about OneDrive-specific financial products.
Last 12 months
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Product timeline
2007
Microsoft launched OneDrive as 'Windows Live SkyDrive', a cloud file storage and sync service.· pivot
2014
Rebranded from SkyDrive to OneDrive following a trademark dispute.· pivot
2017
OneDrive deeply integrated into Microsoft 365 (Office 365), becoming the default cloud storage layer for enterprise and consumer users.· banking
The stack
Accounting gap: none