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The raspberry sauce is so tasty, as is the frozen yogurt. Oh, and OF COURSE you can’t leave without their delicious $ 1. I appreciate the rarer flavors, well for the USA at least. I picked up some raspberry cookies, some Elderflower drinks and some Rhubarb juice concentrate. I especially love the big candy bins (the rhubarb lemon straws are ammaazzzinnnnggg!) and the larger selection of drinks they have now. They have expanded the grocery part of the store sometime in the past few years, and there’s so much offered here now. Sadly they were out of stock, but going over to their food section made the trip more than worth it. I was in need of a replacement, the IKEA website said they were «Most likely in stock». My second trip was to come and find some of the outdoor ground solar lamps. Assembly of said furniture is always difficult, but with a second person to help it goes a lot more quickly. As efficient as furniture shopping can be, I think. It was easy to make our selection, find the pieces in the warehouse, pay and load the car. IKEA had several options that didn’t seem to cheaply made for the price. First was an emergency need of a bed for our guestroom. So colorful and fun! I want to own them all! I have been to IKEA a few times as of late. The company is now able to offer the owners of its vehicles savings of up to 30 per cent on car insurance because of the wealth of data it has about them, which can be used for more efficient pricing and underwriting decisions.IKEA is a very dangerous place for me since they have such cute housewares and I want to buy it all! I am especially in love with their duvet covers and sheet sets. We will also see a rise of other offerings, such as embedded insurance, which has already been rolled out by companies such as Tesla. These will be more broadly adopted by brands in the near future. We are already familiar with embedded payments thanks to apps such as Uber, as well as “buy now, pay later” programmes run by companies such as Klarna. With embedded finance, everything is available in one place and customers receive a frictionless purchasing experience.

There is also a huge opportunity for further growth – according to Juniper Research, the value of the embedded-finance market will exceed $138 billion (£100 billion) by 2026, up from just $43 billion in 2021. Everyday financial services, such as a short-term loan, a debit/credit card or an insurance product – previously seen as the domain of regulated financial-services providers – are now at many brands’ fingertips via APIs.

Neobanks have already altered what people expect from finance-related products and services, and the infrastructure and behaviours for those fully fledged embedded-finance offerings to succeed are now in place.Įmbedded finance is an elegant way to enhance the customer experience, strengthen loyalty, increase conversion and drive up margins. This is mainly due to its multi-currency banking, cross-border trade regulations and open-banking policy. We know of the big technology companies’ moves into this area, but in 2022, that capability will be extended to all sectors.īig breakthroughs will take place in Europe, an area that has long been a hotspot for API-based innovation in the financial services.

To achieve this, firms will seek to provide their customers with banking and financial capabilities, including the typical bank offerings such as online payments, investment products, bank accounts, insurance and loans. Thanks to what is known as “embedded finance”, 2022 will be the year that any organisation can become a financial-services company. In 2022, they will be joined by an upending of the way businesses help their customers with money. At the same time, customer expectations have also grown, and these positive transformations will last for some time. The pandemic has forced many businesses to change the way they serve their customers.