Powering the Future of FinTech

Powering Fintech Infrastructure — Embedded Banking for Financial Innovators

Overview

Gemba provides a UK government-recognised, FCA-regulated financial infrastructure platform purpose-built for fintech innovators and embedded finance providers. By eliminating the structural inefficiencies of traditional banking relationships, Gemba enables fintech businesses to launch as full-stack banking providers without requiring their own regulatory permissions, proprietary technology stack, or upfront capital expenditure. Partners building new financial products — or embedding finance into existing offerings — gain a single, compliant infrastructure layer that accelerates time-to-market, reduces operational cost, and generates recurring revenue from day one.

Start Your Branded Bank in Minutes

We offer

Account number issuing

Multi-currency accounts

Cross border SWIFT payments

SEPA payments

Currency exchange

Multi-level account structures

High Yield Savings Account - Coming Soon

Instant internal transfers

Granular permission control

SEPA payments

Currency exchange

Multi-level account structures

High Yield Savings Account - Coming Soon

Instant internal transfers

Granular permission control

Why FinTechs Choose Gemba

💸 Save £500k+

Operating under Gemba's FCA authorisation eliminates the cost of independent licensing — typically £250,000–£500,000 or more in regulatory fees, legal advisory, and compliance infrastructure — as well as the 12–18 month lead time before a licence is granted. Partners commence operations immediately under Gemba's authorisation while pursuing their own permissions in parallel, if required.

⚡ Accelerated Market Entry

A UK IBAN account is deployable in ten minutes. A fully branded white-label web banking application launches in seven minutes. A branded corporate card programme is operational within four to six hours. These timelines represent a structural compression of the traditional financial services go-to-market cycle.

📈 Recurring Revenue Generation

Partners earn 70% of transaction fee revenue on all activity processed through their platform, creating a scalable, compounding revenue stream that grows proportionally with client transaction volume.

🔒 Compliance as a Service

KYC, KYB, AML screening, ongoing transaction monitoring, regulatory reporting, and risk management are managed entirely by Gemba's compliance team. Partners are relieved of the operational and financial burden of maintaining a dedicated compliance function.

💡 Web banking app

Invite your customers to our ready-made web banking app (white-labeled), or build your own using our APIs.

🌍 Full-Spectrum Banking Capabilities

Multi-currency accounts, global payment rails (Faster Payments, SEPA, SWIFT), VISA-scheme corporate cards, Open Banking connectivity, stablecoin disbursements, escrow, and high-yield deposit access — all available immediately upon partner onboarding, with no activation delays.

Ready to Launch Faster?

Join the next wave of fintech leaders powered by Gemba. Save £250k+, cut months of delays, and generate new revenue streams – all with a partner trusted by industry leaders.

👉 Start Building Today

Focus on Growth — We Handle the Rest

KYC/KYB as a Service

Gemba verifies end clients and business entities on behalf of partners, with full regulatory compliance across UK and other jurisdictions. Partners have no direct involvement in the onboarding compliance process.

Compliance as a Service

Regulatory checks, reporting, and audits handled by our experts.

Bank Accounts as a Service

Partners issue branded accounts with dedicated sort codes, account numbers, and named IBANs without managing any banking infrastructure or maintaining relationships with clearing banks.

Corporate Cards as a Service

Branded physical and virtual cards are issued under the partner's identity on major global scheme networks. Backend card operations, settlement, and dispute management are administered entirely by Gemba.

Customer Support as a Service

Tier-one customer support is provided under the partner's brand, with all client-facing communications delivered through the partner's service identity. Partners benefit from Gemba's dedicated support infrastructure without maintaining an internal customer service function.

Infrastructure as a Service

The complete banking technology and payment infrastructure stack is managed by Gemba on Google Cloud Platform. Partners access the full platform capability via REST API, with no proprietary infrastructure requirements on their side.

The infrastructure partner for fintechs that want speed, compliance, and recurring revenue.

💡 Faster to market, lower costs, higher returns.

Gemba provides the infrastructure, compliance, and technology so you can:

Launch your fintech offering instantly
Scale with confidence
Build a profitable, recurring revenue stream

The infrastructure partner for fintechs that want speed, compliance, and recurring revenue.

Register your account

Joining Gemba is hassle free. You'll be ready to go in minutes.

Setup White label profile

Add your branding details and setup your white label

Start onboarding your clients and generate revenue

That's It! You can now onboard your clients and generate revenue!

Total Support Package

Rest assured, we handle everything so you can focus on growing your business and serving your clients better.

Comprehensive Services Include:

1. Compliance

Our dedicated compliance team conducts all necessary checks internally, eliminating the need for you to have your own compliance team.

2. Processing

Leave the hassle of payment processing to us. Our team manages all payment processing needs for you and your clients, ensuring seamless transactions.

3. Branding

All automated emails are personalised with your branding, providing a consistent and professional experience for your clients from start to finish.

4. IT Support

Forget about IT maintenance concerns. Our expert team maintains our partners white-label platforms internally, ensuring smooth operations without any stress on your end.

In partnership with

Google for Startups, Microsoft, EY, Grow Global London

FCA-regulated (Licence No. 804853), based in London

Clear Bank, J.P. Morgan, UK Department for Business & Trade

Gemba is a UK Government-Recommended Banking Partner

Launch Your White Label Bank Today

Apply Now!