Gemba Finance Ltd. has expanded its embedded finance platform with official listings on the Microsoft Commercial Marketplace and Google Cloud Marketplace. This strategic move enables global technology companies to pivot into financial services without traditional regulatory burdens, launching fully branded banking applications in under seven minutes.
The company's "Turnkey Banking" model dismantles traditional barriers to entering financial services, which typically require years of regulatory approval, significant capital investment, and complex banking partnerships. Gemba allows software platforms, marketplaces, and digital communities to embed financial services instantly, transforming technology companies into fintech providers.
"We are building a global financial marketplace where every tech founder can become a fintech founder," said Alexander Legoshin, CEO of Gemba. "By abstracting the complexity of compliance and banking rails, we allow our partners to focus on what they do best: building great products and growing their communities."
Gemba introduces a disruptive economic model that transforms banking from a cost center into a major profit engine for partners. In a market-leading move, the company allows partners to retain up to 70% of revenue on custom fees they set for users, alongside a 20% share of base transaction fees. This enables platforms to monetize their user bases more effectively than previously possible.
Partners joining Gemba's platform enter a "Fintech Marketplace" ecosystem where applications can interact, share liquidity, and access plug-and-play financial services. This approach creates network effects that could accelerate innovation in embedded finance.
The marketplace debut is supported by what Gemba calls a "Trust Trinity" of regulatory and institutional backing. Partners operate under Gemba's Financial Conduct Authority license (FRN: 804853), with Gemba assuming full liability for know-your-customer, anti-money laundering, and sanctions screening requirements. All funds are safeguarded through Gemba's correspondent banking network.
Institutional validation comes from Gemba's selection for the JPMorgan Chase Fintech Forward Programme and recognition as a UK Government-Recommended Banking Partner through listing in the Department for Business & Trade's Investment Support Directory. These endorsements validate the company's operational robustness for enterprise-grade deployments.
Gemba's white-label banking solution is available immediately on the Microsoft Commercial Marketplace and Google Cloud Marketplace. Enterprise clients can leverage existing Azure Consumption Commitments or Google Cloud commitments to procure the solution, streamlining adoption and procurement processes.
This development represents a significant shift in financial services infrastructure, potentially accelerating the embedded finance trend across multiple industries. By lowering barriers to entry and providing substantial revenue-sharing opportunities, Gemba's platform could enable thousands of technology companies to expand into financial services, creating new competitive dynamics in both technology and banking sectors.
