Embedded finance: wealth use-cases fulfilling a prophecy Embedded finance: wealth use-cases fulfilling a prophecy Industry view from additiv A focus on embedded finance is emerging – changing the dynamics of wealth management – with additiv at its core. We’ve come a long way since Bill Gates pointed out that “banking is necessary – banks are not” back in 1994. But only now are we seeing banking product dispersion being realised – through embedded finance. However, to date this tends to relate predominantly to payments and loans. Wealth solutions have largely been ignored – but this is changing. A focus on embedded wealth is emerging – disrupting the dynamics of wealth management – with wealth management platform additiv at its core.