Gemba Finance Ltd., a UK-based Authorised Payment Institution, has announced its strategic expansion onto the Microsoft Commercial Marketplace and Google Cloud Marketplace, enabling technology companies to pivot into fintech without the regulatory burden. Through its 'Turnkey Banking' model, Gemba allows any software platform, marketplace, or digital community to embed financial services instantly, launching fully branded banking apps in under seven minutes.
This move is backed by significant institutional validation, including Gemba's 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, according to Gemba.
'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 what they do best: 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 revenue on custom fees they set for their users, alongside a 20% share of base transaction fees. This high-margin revenue share allows platforms to monetize their user base more effectively than ever before. Additionally, partners join a 'Fintech Marketplace' where apps can interact, share liquidity, and access a suite of plug-and-play financial services.
Gemba's marketplace debut 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 procure the solution, streamlining adoption and procurement.
