Gemba Launches 'Fintech-in-a-Box' on Microsoft and Google Marketplaces, Enabling Tech Companies to Offer Banking Services in Minutes

Gemba Finance Ltd., a UK-based Authorised Payment Institution, has expanded its embedded finance platform with official listings on the Microsoft Commercial Marketplace and Google Cloud Marketplace. This strategic move enables global technology companies to pivot into financial technology without traditional regulatory burdens, allowing them to launch fully branded banking applications in under seven minutes. The company's "Turnkey Banking" model dismantles barriers that typically require years of regulatory approval, millions in capital, and complex banking partnerships, making financial services accessible to software platforms, marketplaces, and digital communities.

Alexander Legoshin, CEO of Gemba, emphasized the platform's goal of creating a global financial marketplace where tech founders can become fintech founders. By abstracting compliance complexity and banking infrastructure, partners can focus on product development and community growth. The expansion is supported by significant institutional validation, including Gemba's selection for the JPMorgan Chase Fintech Forward Programme and recognition as a UK Government-Recommended Banking Partner, which underscores its credibility for enterprise deployments.

Gemba introduces a disruptive economic model that transforms banking from a cost center into a profit engine for partners. In a market-leading arrangement, partners can retain up to 70% of revenue from custom fees they set for users, alongside a 20% share of base transaction fees. This model allows platforms to monetize their user bases more effectively. Additionally, partners join a "Fintech Marketplace" ecosystem where applications can interact, share liquidity, and access plug-and-play financial services, enhancing functionality and integration opportunities.

The platform's credibility is reinforced by a "Trust Trinity" of regulatory and institutional backing. Partners operate under Gemba's Financial Conduct Authority license, with Gemba assuming full liability for know-your-customer, anti-money laundering, and sanctions screening processes. All funds are safeguarded through Gemba's correspondent banking network, ensuring security. Enterprise clients can leverage existing cloud commitments, such as Azure Consumption Commitments or Google Cloud commits, to procure the solution via https://ge.mba, streamlining adoption and procurement. Gemba's white-label banking solution is available immediately on both marketplaces, marking a significant step in democratizing access to financial services infrastructure for non-financial businesses.