| London: Gemba Finance Ltd., a UK-based Authorised Payment Institution and banking infrastructure pioneer, has announced a major expansion of its embedded finance platform with official launches on the Microsoft Commercial Marketplace and Google Cloud Marketplace. The move positions Gemba at the forefront of a rapidly evolving fintech landscape, enabling technology companies across the globe to transform into fully fledged financial service providers in a matter of minutes. With its marketplace listings now live, Gemba allows software platforms, digital communities, and technology-led businesses to launch fully branded banking applications in under seven minutes. Crucially, this can be achieved without the traditional regulatory complexity, capital intensity, or prolonged approval timelines that have historically defined entry into financial services. The announcement follows a period of strong institutional validation for the company. Gemba was recently selected for the JPMorgan Chase Fintech Forward Programe and has also been recognized as a UK Government-recommended banking partner, reinforcing its credibility as an enterprise-grade fintech infrastructure provider. Redefining the Path from Tech to Fintech For decades, entering the banking and payments ecosystem required years of regulatory navigation, extensive compliance frameworks, and partnerships with incumbent financial institutions. Gemba’s “Turnkey Banking” model fundamentally reshapes this equation. Through a single integration, technology companies can embed regulated financial services, including accounts, payments, and cards, directly into their existing products. the company assumes responsibility for regulatory compliance and banking rails, allowing partners to focus on customer experience, product innovation, and community growth. Alexander Legoshin, CEO of Gemba, described the company’s vision as democratizing access to financial services infrastructure. He said the platform is designed to enable any tech founder to become a fintech founder by removing the traditional friction associated with compliance and regulation, and by allowing innovation to happen at speed. Turning Banking into a Revenue Engine Beyond speed and simplicity, Gemba is introducing a distinctive commercial model aimed at making embedded finance a meaningful profit centre for its partners. Under its high-margin revenue-sharing structure, partners can retain up to 70% of the revenue generated from custom fees they set for their users, alongside a 20% share of base transaction fees. This approach allows platforms to monetize financial services far more effectively than conventional white-label banking arrangements, where margins are often thin and tightly controlled. In addition, partners become part of what Gemba describes as a “Fintech Marketplace” ecosystem. Rather than operating in isolation, participating apps can interact, share liquidity, and access a growing suite of plug-and-play financial services, creating network effects across the platform. Built on Trust, Regulation, and Institutional Backing Gemba’s expansion onto global cloud marketplaces is underpinned by what the company calls a “Trust Trinity” of regulatory oversight, banking security, and institutional endorsement. All partners operate under Gemba’s Financial Conduct Authority licence (FRN: 804853), with the company assuming full responsibility for critical compliance functions such as KYC, AML, and sanctions screening. Client funds are safeguarded through Gemba’s correspondent banking network, providing an additional layer of protection and reassurance. Institutional credibility is further strengthened by Gemba’s inclusion in the JPMorgan Chase Fintech Forward Programme and its listing in the UK Department for Business & Trade’s Investment Support Directory. Together, these endorsements signal operational robustness and readiness for large-scale, enterprise deployments. Immediate Availability and Enterprise-Friendly Procurement Gemba’s white-label banking solution is available immediately via the Microsoft Commercial Marketplace and Google Cloud Marketplace. Enterprise customers can procure the platform using existing Azure Consumption Commitments (MACC) or Google Cloud commitments, simplifying procurement processes and accelerating adoption. This integration with major cloud ecosystems also aligns Gemba with the technology stacks already used by many global enterprises, reducing friction and supporting rapid deployment at scale. |
Gemba Finance Ltd. is a London-based fintech company and Authorized Payment Institution regulated by the UK’s Financial Conduct Authority. The company provides a full-stack embedded finance platform that enables non-financial businesses to offer banking services, payments, and cards to their customers through no-code compliance and infrastructure. By combining regulatory cover, speed to market, and a partner-centric revenue model, it is positioning itself as a key enabler of the next generation of fintech innovation where banking is no longer confined to banks, but embedded seamlessly into the digital platforms people use every day.
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