Banking used to mean, literally, going to the bank - to the building that housed the loan officers, tellers, advisers, and other financial services personnel. Now, most financial transactions happen via mobile apps, websites, email, text messages, and other digital communications. While financial institutions are slowly adjusting to this new norm, they are facing yet another challenge: because digitizing existing services is no longer enough to satisfy consumer expectations, the future is about embracing embedded finance. With embedded finance, companies can meet customers where they are, at their convenience, and on their own terms.