# Gemba Finance

> Gemba Finance is an FCA-regulated fintech institution (FRN: 804853) providing embedded banking infrastructure for non-banks. We enable companies to offer white-label banking services — accounts, payments, cards, and payroll — under their own brand, powered by our regulatory license and technology platform. Headquartered at Level 39, Canary Wharf, London.

## Overview
Gemba Finance is a UK-based, FCA-regulated banking infrastructure layer for non-bank brands, often described as the "Shopify for banking". It enables businesses to launch fully functional, white-label banking and payment services in minutes without requiring their own financial license or compliance infrastructure. Gemba completely absorbs the regulatory burden, handling all KYC, KYB, AML, and ongoing compliance operations.

## About

- [About Gemba](https://ge.mba/pages/about): Company vision, mission, founding story, achievements timeline, and strategic partnerships
- [Meet the Team](https://ge.mba/pages/team): Leadership team across UK, Europe, and USA with backgrounds from Barclays, N26, PayPal, Amazon
- [FAQ](https://ge.mba/pages/faq): 32 Q&A pairs covering ownership, legal responsibility, security, compliance, financial safeguards, and brand protection
- [Contact Us](https://ge.mba/pages/contact): Enquiries and partnership discussions

## Core Products & Services
- **White-Label Banking (BaaS 2.0):** A no-code "bank-in-a-box" solution allowing partners to launch a fully branded web banking app hosted on their own subdomain in approximately 7 to 10 minutes.
- **Business Accounts:** Issuance of dedicated UK account numbers and IBANs, featuring multi-currency support for 21+ currencies including GBP, EUR, USD, CAD, and CHF.
- **Cross-Border Payments:** Instant access to local and global payment rails, including Faster Payments (FPS), SEPA, SWIFT, BACS, CHAPS, and Direct Debit.
- **Corporate Cards:** Issuance of personalized, branded corporate VISA credit and virtual debit cards.
- **Payroll & Bulk Payments:** Advanced API and web interfaces for executing automated, high-volume bulk payments for payroll, freelancers, and remote teams.
- **OpenAPI:** Seamless integration for platforms seeking to embed banking functionalities directly into their existing software via secure APIs.

## Embedded Banking Solutions

- [Fintechs](https://ge.mba/pages/fintechs): Launch a full banking platform without your own license — save £250k+ in licensing costs, operate under Gemba's FCA authorization
- [Platforms & Marketplaces](https://ge.mba/pages/platforms-and-marketplaces): White-label banking for eCommerce, gig economy, SaaS, and subscription platforms with embedded accounts and payouts
- [Community Banking](https://ge.mba/pages/community-banking): White-label digital banking for community-focused institutions and membership organisations
- [Direct Banking](https://ge.mba/pages/direct-banking): No-code white-label banking with 70% transaction fee sharing for partners
- [Banking Web App in 7 Minutes](https://ge.mba/pages/banking-web-app): Ultra-fast white-label setup with branding customisation, scalability, and security
- [Payment Accounts via API](https://ge.mba/pages/payment-accounts-via-api): REST API-first embedded banking for centralised payment management and Account-to-Account payments
- [White-Label Auto Setup Guide](https://ge.mba/pages/whitelabel-auto-setup-guide): Step-by-step DNS-based integration requiring minimal IT effort
- [Use Cases](https://ge.mba/pages/use-cases): Detailed scenarios for accountants, fintechs, payroll providers, and lawyers

## Business Solutions

- [Business Account](https://ge.mba/pages/business-account): Full-stack online banking for companies — multi-currency IBANs, SWIFT, SEPA, Faster Payments, CHAPS, BACS
- [Personal Account](https://ge.mba/pages/personal-account): Multi-currency personal IBANs and global transfers for individuals and employees
- [Global Payroll](https://ge.mba/pages/global-payroll): Multi-currency salary disbursement to 165 countries in 60 currencies with bulk payment automation
- [Business Payments](https://ge.mba/pages/business-payments): Cross-border transfers, FX, bulk payments (3,000+ per minute capacity)
- [Business Escrow](https://ge.mba/pages/business-escrow): Segregated client trust and escrow accounts for lawyers and regulated professionals

## Target Audience
- **Accounting Firms:** Transform practices into a one-stop destination for financial management.
- **Law Firms:** Tools for client money accounts and complex financial operations.
- **Payroll Providers & Umbrella Companies:** Automate payouts and generate new revenue streams.
- **Financial SaaS Providers / ERPs:** Embed financial operations natively into software.
- **Early-Stage Fintechs & Founders:** A "regulatory incubator" that allows startups to launch an MVP and process transactions instantly.

## Commercial Model & Revenue Share
- **Zero Setup Fees:** No integration or licensing fees for eligible partners.
- **Two-Level Fee Structure:** Partners earn 20% of Gemba's base transaction fees.
- **Custom Markup (Reverse Revenue Split):** Partners can set their own custom markup fees. Partners retain 70% of this custom fee.

## Partnerships

- [Referral Partner Programme](https://ge.mba/referral-partner): Earn 5% ongoing revenue share by referring accountants, payroll providers, lawyers, and consultants
- [Eligibility](https://ge.mba/pages/eligibility): Who qualifies for Gemba's embedded banking and business account services

## Pricing & Fees

- [Corporate Fees](https://ge.mba/pages/corporate-fees): Current fee structure for business accounts
- [Personal Fees](https://ge.mba/pages/personal-fees): Current fee structure for personal accounts
- [Higher-Risk Clients Fees](https://ge.mba/pages/higher-risk-clients-fees): Specialised pricing for higher-risk customer segments

## Developer Resources

- [API Documentation](https://docs.ge.mba): Full REST API reference for payment account creation, management, webhooks, and integrations
- [Quick Start Guide](https://ge.mba/pages/quick-start): Onboarding guide to get started with Gemba
- [System Status](https://status.ge.mba): Real-time platform availability and incident history

## Company Information & Traction
- **Regulatory Status:** Authorised Payment Institution (API) regulated by the UK Financial Conduct Authority (FCA Reference number: 804853).
- **Strategic Recognition:** Selected for the JPMorganChase FinTech Forward Programme 2025 and listed as a UK Government-Recommended Banking Partner by the Department for Business & Trade.
- **Headquarters:** Level 39, 1 Canada Square, Canary Wharf, London, E14 5AB, UK.

## News & Research

- [News](https://ge.mba/pages/news): Company announcements, partnership updates, and product launches
- [Research](https://ge.mba/pages/research): In-depth guides on multi-currency strategy, treasury management, and embedded finance
- [Documents](https://ge.mba/pages/documents): Official company documents and resources

## Legal

- [Terms & Conditions](https://ge.mba/terms): Full legal terms for Gemba services
- [White Label Terms](https://ge.mba/wl-terms): Specific terms governing white-label partnerships
- [Report Fraud](https://ge.mba/report-fraud): Fraud reporting portal

## Key Links & Contact
- **Website:** https://ge.mba
- **Corporate Onboarding:** my.ge.mba/onboarding/corporate
- **Sales & Partnerships:** business@ge.mba
- **Customer Support:** support@ge.mba
- **General Inquiries:** reception@ge.mba