Tue, Jun 24, 2025 1:00 PM – 2:00 PM EST
Embedded finance fundamentally changed how companies deliver financial experiences, yet its first generation was constrained by legacy infrastructure and fragmented systems.
In this conversation, John MacIlwaine, CEO and Co-Founder of Highnote, will join Javelin’s Hugh Thomas to explore how embedded finance has evolved, the limitations of early models, and what’s now required for businesses to innovate at scale. The session will unpack how purpose-built, modular infrastructure, unified at its core, is powering a new era of financial experiences across B2B and consumer applications.
From AP automation to fleet and expense management, to emerging innovations like wearables, and embedded BNPL, we’ll explore real-world use cases and future-forward applications. We’ll also examine macroeconomic drivers of virtual card adoption, generational shifts influencing financial service expectations, and how elegantly designed infrastructure will define the next 25+ years of embedded finance.
What the Audience Will Learn:
- How embedded finance began, what early models achieved, where they fell short, and why a new approach is needed today.
- How unified, intelligent infrastructure is already enabling solutions for AP, fleet, expense management, and powering tomorrow’s innovations.
- Why combining issuing, acquiring, credit, multi-rail payments, and a central ledger into one platform simplifies the financial stack and unlocks scale.
- What developers, fintechs, and enterprise leaders need from next-gen infrastructure, and how elegant design, modularity, and real-time capabilities will distinguish the winners.
