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Embedded finance and APIs: mapping the future for Goldman Sachs

Goldman Sachs has continued its venture into new technological territory, following up the launch of a transaction banking service in mid-2020 with an API-based offering that lets clients embed banking services directly into their own products. The US-headquartered banking giant has added hundreds of clients and US$28bn in deposits since the establishment of its transaction banking service, a spokesperson says. Chad Wallace, global head of digital product and design at Goldman Sachs, tells GTR about the next step: its development of a banking-as-a-service model, which lets clients connect directly to internal systems and offer “embedded finance” to their own customers.

Artis Finance takes aim at trade finance gap as traditional banks retreat

Waldo de Vleeschauwer, co-founder and former managing director of Africa Merchant Capital’s trade finance business, has launched Artis Finance, a London-headquartered alternative finance provider. Artis is founded against a backdrop of growing market and regulatory pressure on traditional bank lenders, which de Vleeschauwer says has made it more difficult for companies of all sizes and sectors to access trade finance. The company plans to partner with mid-market corporates looking to optimise their working capital arrangements, as well as businesses with over US$100mn in turnover and value-aligned organisations that can demonstrate sound governance. “Bank lending is cyclical and glacial in nature, and like the natural world, we are going through a ‘glacial retreat’ phase with respect to lending in trade finance,” says de Vleeschauwer, speaking to

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Roundtable: Europe trade leaders wrap up 2020 | Global Trade Review (GTR)

James Binns, global head of trade and working capital, Barclays Mencía Bobo, global head of trade and working capital solutions, Santander Michael Hogan, head of transaction banking in Emea, MUFG Naeem Khan, global head of trade finance, Crédit Agricole CIB ( chair) Daniel Schmand, global head of trade finance, Deutsche Bank Enno-Burghard Weitzel, global head of trade products, Commerzbank Martina Zimmerl, head of trade finance, Raiffeisen Bank International  

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