SVP of Product, Embedded Banking
KeyBank
Bennie Pennington is SVP of Product, Embedded Banking, within Key’s Commercial Bank. Since joining KeyBank in 2021, Bennie has led the strategy, development, and commercialization of solutions that help clients simplify and accelerate how they move money. His work spans embedded banking products including Virtual Accounts, ERP integrations, digital receivables, and fintech-enabled payment experiences. In his role, he oversees product vision, go-to-market strategy, and the partnerships that support integrated payments and digital treasury capabilities throughout the Commercial Bank. Before joining KeyBank, Bennie spent more than a decade in the fintech industry in a variety of strategy and product leadership roles. His experience includes leading product development at Paya, and prior roles at FirstData and Fiserv, where he focused on integrated payments, fraud and security solutions, and software partner ecosystems.
Every click away from your platform is a conversion risk. Buy-now-pay-later proved that embedded finance isn’t just convenience—it’s a revenue driver. Platforms offering seamless, embedded financial products see higher average order values, increased conversion rates, and stronger customer loyalty. This session examines how leading platforms turn embedded finance into competitive advantage: which financial products drive the most revenue, designing experiences that feel native rather than bolted-on, understanding the unit economics, and when to partner with fintech providers versus building in-house. The future belongs to platforms that never make customers leave.
With BaaS under regulatory scrutiny, what’s next for bank–fintech partnerships? Ingo Payments CEO Drew Edwards moderates a candid conversation with leaders from KeyBank and Pathward to explore why banks still need fintechs, how to manage risk, and what successful collaboration looks like in today’s evolving service economy.