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Embedded Finance has become one of the hottest issues in the fintech space. The term was coined by Angela Strange at VC firm Andreessen Horowitz who also asserted that in the future “every company will be a fintech company” because every company will be able to embed financial services. But does that really mean every company will be a fully-fledged fintech company just because they have embedded financial services? Vicki Gladstone, Moorwand CEO, doesn’t think so.