Embedded finance is one of the fastest-growing areas of financial services and e-commerce globally, yet it is still a nascent concept. In this episode McKinsey payments sector leader Roshan Varadarajan speaks with Pedro Silva, CEO and cofounder of the embedded-finance platform company Alviere about this growing field.

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Throughout his 40-year career, Nathan Bostock has seen the financial services industry change in big ways—and has used these changes to his advantage to usher in the next era of banking. He has led multiple full-scale transformations across several companies, including during his tenure CFO and CEO of Santander UK and during his time as chief revenue officer and CFO of the Royal Bank of Scotland. In this episode of Talking Banking Matters, McKinsey partner Basab Mitra sits down with Bostock to discuss transformations in banking and how digitalization plays a part in these changes, and what C-suite leaders should consider when approaching these initiatives. An edited version of their conversation follows.

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The payments sector equity analyst discusses the industry’s evolution in the context of dwindling cash-to-card conversion, technological advances, and tighter credit markets.

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