Barbara Negron

Don’t Get Left Behind: How to Embrace the Embedded Finance Era is a strategic banking presentation delivered by Barbara J. Negron, SVP & Managing Director of Embedded Finance & Partnerships. The presentation explains how embedded finance and Banking-as-a-Service (BaaS) are transforming distribution channels for financial products by integrating banking capabilities into non-bank digital platforms. The deck outlines the core mechanics of the sponsor-bank model, including the regulatory role of banks, the demand-generation role of fintechs and brands, and how processors and API platforms connect them. It highlights revenue opportunities—such as deposits, fee income, payments, and partnerships—alongside the operational, oversight, and risk considerations banks need to manage. Through comparative insights on traditional vs. embedded growth, the presentation makes a strategic case for why banks must modernize distribution and partner ecosystems to stay competitive. It closes with an execution blueprint focused on governance, risk management, third-party oversight, and building scalable digital partner infrastructure.