Who this is for
This guide is for a team considering a financial capability inside an existing product or service journey. It is not a definition of embedded finance for every market, a vendor selection, or a promise that a proposed model is feasible or approvable.
Decision map
Start with the non-financial journey. Identify the customer problem, the moment a financial capability becomes relevant, the information already available, and the experience after the financial action completes. This keeps an integration from becoming the product strategy by default.
Then draw the boundaries that the customer may not see. Data collection, consent, identity steps, payment or account records, partner decisions, support contacts, and exception handling can cross organizations. Each boundary needs a proposed owner, clear status information, a failure path, and a change process.
Roles and dependencies
The company owns its customer experience and internal decisions. Banks, processors, networks, and other vendors retain their respective responsibilities. Accountable legal, compliance, risk, technology, finance, and operations teams must evaluate the specific program; Chisel does not replace their judgment.
Questions to ask
- Why should the financial action occur inside this journey rather than beside it?
- Which party is presented to the customer at each step, and is that presentation accurate?
- What data is needed, who may use it, and how are changes or corrections handled?
- How do partner or system failures return to the right support and decision owner?
- Which existing controls, records, and review routines must expand?
Adjacent capability handoffs
Build owns the primary product and architecture questions. Use Product Feasibility & Strategy to frame the opportunity, Developer & Integration to map interfaces, and Relationship Infrastructure to make counterparty boundaries visible. These links do not state module availability.
Review the card-program guide when cards are central to the experience, or the payment-product guide when the main question is how value moves and is recorded.
Primary next step
Review the Build capability and document the customer journey, invisible organizational boundaries, system interfaces, and accountable owners before selecting an implementation direction.
Published after review. Claims status: approved. Reviewer: Todd. Module-status matrix checked on 2026-09-27; the matrix does not establish public availability for the linked modules.