Gemba Finance Ltd., a UK-based Authorised Payment Institution and infrastructure provider, has announced the expansion of its embedded finance platform with official listings on the Microsoft Commercial Marketplace and Google Cloud Marketplace. This move enables global technology companies to pivot into fintech without the regulatory burden, allowing them to launch fully branded banking apps in under seven minutes.
The expansion is supported by significant institutional validation, including Gemba's recent selection for the JPMorgan Chase Fintech Forward Programme and its recognition as a UK Government-Recommended Banking Partner. The traditional barriers to entering financial services—years of regulatory approval, millions in capital, and complex banking partnerships—have been dismantled. Gemba's Turnkey Banking model allows any software platform, marketplace, or digital community to embed financial services instantly.
We are building a global financial marketplace where every tech founder can become a fintech founder, said Alexander Legoshin, CEO of Gemba. By abstracting the complexity of compliance and banking rails, we allow our partners to focus on building great products and growing their communities.
Gemba introduces a disruptive economic model that turns banking from a cost center into a major profit engine. Partners can retain up to 70% of the revenue on custom fees they set for their users, alongside a 20% share of base transaction fees. This allows platforms to monetize their user base more effectively. Additionally, partners join a Fintech Marketplace where apps can interact, share liquidity, and access a suite of plug-and-play financial services.
The platform is underpinned by a Trust Trinity of regulatory and institutional backing. Partners operate under Gemba's FCA license (FRN: 804853), with Gemba assuming full liability for KYC, AML, and sanctions screening. All funds are safeguarded through Gemba's correspondent network. The company's participation in the JPMorgan Chase Fintech Forward Programme and listing in the Department for Business & Trade's Investment Support Directory validate its operational robustness for enterprise-grade deployments.
Gemba's white-label banking solution is available immediately on the Microsoft Commercial Marketplace and Google Cloud Marketplace. Enterprise clients can leverage their existing Azure Consumption Commitments (MACC) or Google Cloud commits to streamline adoption and procurement.
