Modularbank: Is Embedded Finance a Threat or an Opportunity for Challenger Banks?Polly Jean HarrisonApril 4, 2021April 1, 2021 by Polly Jean HarrisonApril 4, 2021April 1, 2021. @modularbank co-founder Rivo Uibo shares his thoughts on #embeddedfinance, and what it means for #challengerbanks...