Why non-financial platforms are embracing embedded finance—and why it’s a game changer

Embedded finance is rapidly becoming a cornerstone of platform innovation. While fintech and banks have long been at the forefront, we’re seeing a surge of interest from non-financial platforms, such as SaaS providers, B2B marketplaces, and professional service networks, who are integrating financial services directly into their solutions. What’s fueling this shift, and why should SaaS platform leaders, such as yourself, pay close attention?

Embedded finance enables platforms to offer payments, lending, and even banking features natively within their software workflows. For business management platforms, this means more than just convenience; we’re talking about growth, competitive edge, and deeper customer trust.

Key drivers for software platforms

1. Streamlining customer operations

Your users expect frictional financial experiences. By embedding payments and other financial services, platforms can eliminate manual processes, reduce errors, and accelerate cash flow. According to Bain & Company, embedded finance could unlock $51 billion in annual platform revenue by 2026, up from $22 billion in 2021.

2. Unlocking new revenue streams

Platforms aren’t just making things more convenient—they’re also opening new ways to earn. By offering financial services, platforms can take a share of transaction fees, earn interest on lending, or collect premiums from insurance. Juniper Research estimates that embedded finance will enable platforms to capture $183 billion in additional revenue globally by 2027, increasing from $65 billion in 2022.

3. Driving platforms stickiness and loyalty

When financial tools are built into the platform experience, clients are less likely to churn and more likely to expand their usage. For example, business management platforms that offer embedded payments and finance see higher adoption rates and deeper integration into client workflows.

4. Data-driven insights and risk management

Embedded finance gives platforms access to rich transactional data, enabling smarter decision making, customized offers, and proactive risk management. This not only enhances the value proposition for clients but also helps platforms mitigate financial risk.

5. Competitive differentiation in a crowded market

With software users demanding more from their management platforms, embedded finance is fast becoming a must-have feature. Platforms that offer seamless financial services stand out, win more business, and build stronger user relationships.

The benefits of embedded finance, you can count on

Embedded finance is no longer an option; it's essential. The numbers show that embedded finance drives tangible platform growth, boosts customer loyalty, and delivers value for both your platform and your users.

• 90% of software users consider access to financial products and services as critical to their operations, according to our annual Merchant Insider report.
• Platforms with embedded finance are seeing 2-5x higher customer lifetime value and 30% lower acquisition costs.
• 76% of software users are willing to pay a premium for embedded financial services.

The embedded finance opportunity for platforms

The embedded finance market is projected to surpass $7 trillion in transaction value by 2030, according to Dealroom.co, with software platforms expected to drive a significant share of this growth. For platform leaders, investing in embedded finance now isn’t just about adding trendy features; it’s about building a scalable business model that delivers more value to your customers.

We empower software platforms to seamlessly embed payments and financial services, such as working capital loans and business accounts and cards, unlock new revenue streams, and create frictionless experiences for their customers.

Ready to explore how embedded finance can accelerate your platform’s growth? Grab your copy of The complete guide to embedded finance eBook to learn how.