Tech Disruptors Marqeta CEO on Embedded Finance Scaling Up
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Jan 9, 2026 Mike Milotich, CEO of Marqeta and an expert in payment systems with a history at Visa and PayPal, dives into the transformation of embedded finance. He explains how it’s evolving from niche applications to mainstream infrastructure, including the rise of buy now, pay later solutions. Milotich highlights the importance of flexibility in modern payment systems and the competitive edge of tokenization and AI in personalizing user experiences. He also discusses Marqeta's expansion into Europe and the growing trend of digital-first, API-native firms embracing embedded finance.
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Three Pillars Of Modern Issuing
- Modern card platforms must be flexible, controllable, and real-time to outcompete legacy systems.
- Marqeta offers API modularity, customer-level authorization control, and millisecond responses for dynamic issuance and offers.
Embedded Finance Drives Engagement
- Embedded finance inserts financial services into existing non-financial platforms to deepen engagement rather than only monetizing payments.
- Brands embed payments to increase frequency and loyalty by owning the end-to-end customer experience.
Provide Full-Stack Capabilities
- Offer full-stack services beyond processing: risk, tokenization, apps, and money-movement features.
- Provide diverse account types and front-end white-label experiences to simplify customers' launches.