In this episode of the Embedded Finance Review podcast, host Lars Markull speaks with Sophie Guibaud, a Fintech executive with extensive experience at companies like Bankable, Fidor Solutions, and Fiat Republic. Sophie shares insights on the evolving Banking as a Service (BaaS) landscape and her recent experience in Saudi Arabia's growing FinTech ecosystem

Key Highlights:

• Sophie traces BaaS evolution from primarily serving FinTechs to now supporting diverse business models and niche-specific platforms

• Discussion of the advantages that traditional banks bring to BaaS and the execution challenges they face
• Exploration of Saudi Arabia's Vision 2030 plan, aiming to establish 525 Fintech startups by 2030
• Comparison between Europe's mature BaaS landscape and Saudi Arabia's rapidly developing ecosystem
• Insights on how embedded finance will grow in Saudi Arabia, driven by highly digital consumers and proactive regulation

Visit our website, www.embeddedfinancereview.com, for more content. This episode was produced by Orama.tv.

(00:00) Introduction Sophie Guibaud (01:11) Sophie's Background and Relocation (01:53) Evolution of Banking as a Service (03:11) Diverse Offerings in Banking as a Service (04:39) Regulatory Scrutiny and Market Needs (06:23) Challenges and Opportunities for Non-Fintech Brands (13:14) Traditional Banks vs. FinTech Startups (20:10) Saudi Arabia's Vision 2030 and Fintech Growth (21:54) Comparing European and Saudi Fintech Markets (31:06) Sophie's Current Focus and Projects (31:58) Conclusion and Contact Information