This podcast episode explores the concept of embedded finance and its impact on the banking industry. It highlights the partnership between Mastercard and bunq as a use case of open banking and discusses the potential use cases of AI in the financial services industry. The episode also delves into Marqeta's growth in Europe and the broad structure of embedded finance. Additionally, it emphasizes the importance of trust, accountability, regulated investments, and financial education in the industry. The episode concludes with insights from the speakers at This Money 2020, highlighting the emphasis on startups, diversity, inclusivity, and disability inclusion.