The Embedded Finance Opportunity Finder

Help me assess whether my (non-finance) business should embed financial
products — payments, lending, insurance, accounts, or cards.

My business and customers: [DESCRIBE]
The customer financial need I think I see: [DESCRIBE]

Provide:
1. The embedded-finance options that fit my customers' journey and the
   value each could add
2. The revenue opportunity (new margin, retention, data) versus the cost
   and risk
3. Build vs partner with a banking/finance-as-a-service provider (almost
   always partner early — and why)
4. The regulatory, capital, and risk burden I'd be taking on, and how a
   provider absorbs most of it
5. Whether this genuinely serves customers or just chases a fintech trend

Be sceptical — embedding finance adds real regulatory and risk weight, and
is only worth it where it clearly serves the customer. Flag licensing
questions for specialists.