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Enabling Embedded Finance Through Composable Architecture
Fri, 25 April
Embedded finance is transforming how consumers interact with financial services. Loans, payments, insurance, and investment products are now seamlessly integrated into e-commerce platforms, ride-hailing apps, and digital wallets—eliminating the need for traditional banking interactions. However, for banks and financial institutions historically built on monolithic architectures, adapting to this shift at scale presents a significant challenge.
Composable Architecture provides a modular, flexible, and API-driven approach that enables financial institutions to embrace embedded finance without disrupting legacy systems. By breaking down applications into reusable components, organizations can dynamically integrate financial services while maintaining agility, scalability, and security. This session will explore how composable architecture empowers banks to stay competitive in an embedded finance ecosystem.
Key Takeaways
- Composable Architecture Fundamentals – Understanding the principles of modular banking systems and API-first design.
- Seamless Integration with FinTech Ecosystems – How banks can leverage microservices and open APIs to embed financial products.
- Scalability & Security at Scale – Strategies to maintain regulatory compliance and secure transactions in a distributed architecture.
- Personalized Financial Services – Using composable components to deliver tailored banking experiences.
- Real-World Case Studies – Insights from financial institutions adopting cloud-native, event-driven architectures for embedded finance.
Target Audience
- Banking & Financial Services Leaders – Executives exploring embedded finance opportunities.
- Enterprise Architects & Solution Designers – Professionals modernizing legacy financial systems with API-first strategies.
- FinTech Developers & API Engineers – Builders integrating financial services into digital platforms.
- Product & Innovation Teams – Strategists shaping the future of financial services through composable architecture.
With the rise of embedded finance, banks must evolve beyond monolithic systems to remain competitive. This session will equip you with practical strategies to design, implement, and scale composable financial services in a rapidly changing digital landscape.
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About the speaker
Ravi Kumar Kappagantu
Head of Architecture, Lloyds Technology Centre
Ravi is a seasoned technology leader with over 25 years of experience driving digital transformation and innovation. As an expert in cloud-native solutions, AI, and ML, Ravi has successfully led large-scale programs and built robust technology teams from the ground up. A strong supporter of innovation as a culture, Ravi has 12 published patents to his name and has supported many more for other inventors.
With a solid background in enterprise architecture and agile methodologies, Ravi excels at aligning technology strategies with business objectives. Known for his hands-on approach and strategic thinking, Ravi believes in continuous learning and loves mentoring and developing talent.
