← State of Embedded Finance 2026

Samsung

“Can Samsung turn its 12M+ U.S. Wallet users and global device ecosystem into an embedded financial services platform spanning payments, P2P, BNPL, and B2B credit?”

Founded1969
HQSuwon, South Korea
FoundersLee Byung-chul
IndustryE-commerce / Platform

The story

Samsung is a vertically integrated electronics conglomerate that has been layering embedded financial services onto its consumer and B2B commerce touchpoints. Beginning with Samsung Pay (2015) as a tokenized card wallet, it progressively deepened into a full-featured Samsung Wallet (2022) with identity, loyalty, and now embedded banking via Green Dot's Arc platform. On the B2B side, Samsung Business financing (via Slope for Net 60/90 and its own business credit line offering) turns hardware checkout into a lending moment. The company is not building a standalone fintech product but rather embedding financial rails into its existing device and commerce ecosystem.

Last 12 months

2025-05

Green Dot announced partnership with Samsung to power embedded finance features in Samsung Wallet U.S., starting with Tap to Transfer P2P payments via Green Dot's Arc platform.

2025-11

Slope and Samsung announced partnership to embed Net 60/90 B2B payment terms with real-time AI underwriting at Samsung Business checkout.

2025-07

Samsung Wallet began rolling out BNPL installment payment options (6-month+ terms) in select U.S. states ahead of broader launch.

Product timeline

2015

Launched Samsung Pay mobile payment service, enabling NFC-based tap-to-pay on Samsung Galaxy devices.· banking

2020

Samsung Pay Card (UK) launched in partnership with Curve OS Limited, a digital/physical Debit Mastercard linked to Samsung Pay.· card

2022

Samsung Wallet launched, consolidating Samsung Pay and other digital credential features (IDs, passes) into a unified app.· banking

2025

Green Dot partnership announced to add Tap to Transfer P2P payments and additional embedded finance features to Samsung Wallet (U.S.).· banking

2025

Slope partnership launched to offer Net 60/90 B2B buy-now-pay-later terms at Samsung Business checkout powered by AI underwriting.· lending

2025

Samsung Wallet began rolling out BNPL installment payment options in select U.S. states, with broader launch planned.· lending

The stack

Payments / PSP

Samsung Pay (self-operated)Samsung Checkout (self-operated)Samsung IAP (self-operated)

Banking / BaaS

Green Dot

Card issuing

Curve

Lending

Slope Samsung Business Financing (business line of credit)Samsung Finance (UK consumer 0% APR installments, 12–36 months)Net 60/90 B2B deferred payment at checkout (powered by Slope)Samsung Wallet BNPL installments (U.S., in-app)Credit Card Installments via Dvedo (Pakistan)

Insurance

Assurant

Accounting gap: none