Embedded Advantage | Ada is changing how embedded credit works

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Editor’s Pick 📌

Meet Ada: The AI Agent Powering the Next Phase of Embedded Finance

Developed fully in-house and named after computing pioneer Ada Lovelace, the new system is already delivering results: reducing manual decision time by 50% in complex underwriting cases and helping surface risk factors that humans may miss.

Why it matters:

• Smarter decisions, faster: Ada analyses open banking, credit bureau, and digital footprint data in real time — giving underwriters instant access to structured risk insights and confidence scores.

• Fairer funding: By reassessing both past defaults and declines, Ada helps remove blind spots and bias — ensuring more equitable access to capital.

• Built for scale: Ada is the first step in a broader multi-agent strategy designed to help Liberis and its partners scale efficiently as deal complexity grows.

In an embedded world, capital can’t afford to wait. With Ada, Liberis is setting the benchmark for AI-powered, human-guided finance.

Industry Trends & Innovation 💡

STRATEGIC PARTNERSHIPS

CData Partners With SAP To Enhance Embedded Data Connectivity For Enterprises

CData's collaboration with SAP aims to enhance data access for businesses by integrating non-SAP data into SAP Business Data Cloud without requiring arduous data replication. This partnership highlights the necessity for businesses to connect diverse data sources, supporting AI readiness and improving operational insights. With a substantial $350 million investment, CData continues spearheading simplified data connectivity solutions that emphasize flexibility and security to meet current enterprise demands

FINTECH OPPORTUNITIES

Embedded B2B Payments Extending into a USD 16 Trillion Market Potential

Embedded B2B payments represent a massive $16 trillion opportunity in the financial sector, promising potential for businesses to streamline transactions and improve cash flow. Companies investing in this area can expect to enhance their operational efficiency and responsiveness to market demands. Understanding the technological and regulatory landscape is crucial for stakeholders aiming to capitalize on this substantial market potential.

STRATEGIC PARTNERSHIPS

Ozone API Enhances Open Banking Integration by Joining Plaid's Partner Program

Joining Plaid's partner program, Ozone API seeks to enhance Open Banking adoption across North America by integrating its platform with over 12,000 financial institutions and 8,000 fintechs. This collaboration aims to provide financial institutions with secure and scalable API services aligning with FDX standards. This move empowers banks to rapidly deliver compliant Open Finance solutions, fostering growth and improving customer experiences.

Expert Insight 🧠

The New Rules of Embedded Credit: From Access to Advantage

The embedded finance landscape is evolving fast — and credit is at the heart of the shift. With AI and API-first infrastructure unlocking real-time insights, embedded credit is no longer just about making capital available at the point of need. It's about transforming how underwriting, risk, and growth are understood across the value chain.

Take the rise of AI underwriting agents — like Liberis’ recently launched Ada. These systems do more than speed up decisions; they enable a rethink of who qualifies, when, and why. Real-time access to open banking data, behavioural signals, and digital cash flow patterns means lenders can model risk dynamically, not statically. That’s a game-changer in markets where historical data is sparse or misleading — like micro-SMEs, gig workers, or emerging verticals.

Crucially, embedded credit is also shifting power. Platforms and marketplaces can now offer financial services as value-adds — creating deeper stickiness, higher LTVs, and stronger alignment with partner success. But to do this responsibly, providers need to navigate new regulatory frameworks, ensure explainability in AI-driven decisions, and avoid replicating the same biases baked into legacy systems.

The winners in this next phase won’t just embed capital. They’ll embed trust, transparency, and adaptive intelligence — turning credit from a gatekeeper into a growth engine.