Gemba Finance Ltd., a UK-based Authorised Payment Institution, announced today its expansion onto the Microsoft Commercial Marketplace and Google Cloud Marketplace. This move enables any technology company to launch a fully branded banking app in under seven minutes, effectively turning them into fintech firms without the traditional regulatory burden.
The company's "Turnkey Banking" model allows software platforms, marketplaces, and digital communities to embed financial services instantly. "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's marketplace debut is backed by significant institutional validation, including its recent selection for the JPMorgan Chase Fintech Forward Programme and recognition as a UK Government-Recommended Banking Partner. 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 tier-1 correspondent banking network.
Financially, Gemba introduces a disruptive economic model where partners can retain up to 70% of the revenue on custom fees they set for their users, alongside a 20% share of base transaction fees. This turns banking from a cost center into a major profit engine. Partners also join a "Fintech Marketplace" where apps can interact, share liquidity, and access a suite of plug-and-play financial services.
The 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 streamline adoption and procurement.
