Banking is increasingly moving out of bank-owned apps and into the platforms where people and businesses actually spend their time — e-commerce tools, logistics dashboards, HR software, real estate portals. For SMEs and micro-entrepreneurs, financial services fragmented across multiple providers create constant context-switching: jumping between operational tools and separate banking apps just to handle payments, invoicing, credit, and cash flow. The most disruptive opportunity in financial services isn't a better bank app — it's making banking invisible inside the workflows where these users already operate.

In which non-banking digital platforms do SMEs most urgently need financial capabilities embedded, and what would those capabilities actually look like in context? How can a bank design and deliver API-based financial services that feel native to a partner platform rather than bolted on? What value exchange model makes embedded banking work for platform operators, end-users, and the bank alike?

In this project, we are looking for demos and prototypes that explore how banking functionality can be seamlessly integrated into non-financial platforms serving SMEs and self-employed individuals.