If your platform serves small and medium-sized businesses (SMBs), you know how critical it is to deliver value, drive engagement, and help your customers succeed. But here’s the reality: today’s businesses expect more than great software—they want financial solutions that are fast, flexible, and built right into the tools they already use.
As a result, embedded finance is quickly becoming a must-have for software platforms. By integrating payments, lending, insurance, investments, and business banking, you don’t just meet user expectations—you create stickier relationships, unlock new revenue streams, and help your customers thrive.
Increase revenue 2-5x per customer with embedded finance solutions
1. Payments: The foundation of success
Seamless payment acceptance is the bedrock of any small business. Embedded payments—built directly into your platform—remove friction and make it easier for your customers to get paid. According to The complete guide to embedded finance eBook, payments have taken off in the market, with no software service seeing a penetration of less than 50%, and nearly half of SMBs reporting satisfaction with payment solutions as a top reason they won’t switch software providers.
Why it matters for your platform:
- Drives higher user satisfaction and retention
- Increases transaction volume and potential revenue
- Positions your platform as a one-stop shop
2. Lending: Empowering growth when it matters most
Cash flow challenges are a top concern for SMBs. By embedding lending solutions, your platform can offer fast, context-aware financing—right when your customers need it. This not only helps them seize opportunities but also builds trust in your platform.
Why it matters for your platform:
- Increases engagement and platform usage
- Opens new monetization opportunities
- Deepens your relationship with customers
3. Insurance: Building confidence and loyalty
Small businesses face risks every day, from equipment breakdowns to liability claims. Embedded insurance lets you offer tailored coverage at the point of need, making it easier for your customers to protect what matters most—without leaving your platform.
Why it matters for your platform:
- Adds tangible value and peace of mind
- Increases stickiness and customer loyalty
- Differentiates your platform in a crowded market
4. Investments: Helping businesses plan for the future
Many small businesses want to grow their revenue, not just manage day-to-day operations. Embedded investment solutions allow your platform to offer easy access to investment products, encouraging smarter financial planning and recurring product engagement.
Why it matters for your platform:
- Drives higher-value interactions
- Encourages long-term relationships
- Expands your financial services offering
5. Business banking accounts and cards: Simplifying money management
Managing expenses, payroll, and business purchases can be a headache for SMBs. Embedded business banking accounts and cards give your customers modern, flexible tools for everyday financial management—all from within your platform experience.
Why it matters for your platform:
- Centralizes financial operations for SMBs
- Increases platform “stickiness”
- Creates new revenue streams through card interchange and account fees
Why now? The embedded finance opportunity for software platforms
The numbers speak for themselves:
- 76% of SMBs would pay extra for a unified platform offering multiple financial services.
- 53% of SMBs offered financial products by their software provider accepted them.
- The embedded finance market is projected to reach $7.2 trillion globally by 2030.
By embedding financial solutions, your platform can deliver unmatched value, drive loyalty, and capture a share of this massive market opportunity.
Ready to help your customers thrive and scale your platform capabilities? We can help you seamlessly embed payments and financial services into your software. To learn more about our innovative solutions, explore our embedded finance solutions.
Increase revenue 2-5x per customer with embedded finance solutions
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