Credit at the Speed of Commerce

How real-time data, embedded distribution and new credit products are changing when and where lending happens.

Credit is moving closer to the moment of need. This panel explores how real-time data, embedded lending and new distribution models are compressing the lending journey — and what that means for product design, underwriting, customer experience and the role of financial institutions. Borrowers increasingly encounter financing while buying a car, paying a supplier or completing another commercial task. That proximity can make credit more useful and reduce the effort of applying. It can also make the offer harder to compare and leave less time to understand its cost. This panel examines what embedded distribution changes for the lender: which transaction data helps assess risk, who owns the customer relationship, how products should be designed around a specific purchase and what happens after the transaction when the borrower needs service or support.