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Echelon Philippines 2025 – Embedded finance for startups: The fintech formula for accelerated growth in the Philippines

At Echelon Philippines 2025, a panel featuring Teddy Peralta of Altara Ventures, Jose Dalino of PayMongo, and Gian Paulo dela Rama of Sprout Solutions — moderated by Maansi Vohra of Monk’s Hill Ventures — explored the growing relevance of embedded finance for startups.

The discussion centred on the idea that financial services are increasingly becoming a core component of non-financial businesses, with panellists suggesting that every startup will, in some form, become a fintech company. The group noted that embedded finance is best suited to more mature startups with a stable customer base, where integrating financial tools can meaningfully deepen customer value and drive sustainable growth.

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