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Since banking became mobile, it feels like it should be more intuitive and more automated. Our money should feel easier to use, easier to save and serve us better. Embedded finance is the beginning of a system where the banking is simply an inherent part of any transaction, and not a belabored afterthought. And with open banking empowering consumers to own their data, the combination with embedded finance could lead to incredible opportunities in every type of financial transaction. We spoke with Sanjay Mathew, from Oracle and Mayank Mishra from Citi, about their outlook as they lead clients through the possibilities.

__Guest:__
Sanjay Mathew, Senior Industry Strategy Director, Oracle
Mayank Mishra, Managing Director, Global Head Digital Channels, Citi

__Host:__
Sanjib Kalita, Editor-in-Chief, Money20/20
Kisha Allison, Head of Content, Money20/20 USA
Nick Holland, Head of Global Research, Money20/20

__Producers:__
Rachel Morrissey, Executive Podcast Producer, Money20/20