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Embedded Advantage | Fintech’s Future Is Embedded—and Personalized

Liberis is powering AI-driven lending inside the platforms SMBs use daily.

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Editor’s Pick 📌

In a new piece for Finextra, Liberis CEO Rob Straathof maps out where small business finance is heading—and why the shift from embedded finance to financial co-pilots may be the biggest leap yet.

Here’s the takeaway:

The platforms that serve small businesses daily—think eBay, Uber Eats, Worldpay—are becoming not just tools, but trusted financial operating systems. And with AI in the mix, they’re evolving fast.

  • 📊 SMBs are getting personalised, pre-approved funding without paperwork

  • 🤖 AI is now reading transaction data and social sentiment to shape smarter offers

  • 📈 The next frontier? Financial “co-pilots” that help small businesses manage cash flow, payroll, and growth—all in one place

The platforms building these tools will drive the next era of loyalty, retention, and revenue. Liberis is quietly powering many of them.

Industry Trends & Innovation 💡

TECHNOLOGY MARKET TRENDS

Embedded integration platforms are seeing strong growth due to rising demand for real-time data exchange in sectors like automotive, industrial automation, and healthcare. High initial costs remain a challenge, but technological advances and sustainability trends drive adoption, especially in fast-industrializing regions. Companies must balance performance, cost, and green requirements.

FINTECH FUNDING

German fintech startups are securing significant funding—Aufinity raised $26 million to expand its automotive payment solutions in Europe, and Circula secured $15 million to advance AI-driven expense management. These moves offer practical funding pathways and digital solutions for businesses and eCommerce sellers navigating complex financial workflows.

BANKING INNOVATION

Consultancy.com.au

Next-gen banking in Australia means integrating digital core systems with proven infrastructure, not chasing hype about replacing everything old. With over 99% of transactions now digital and neobanking set to reach $52.29 billion by 2030, banks must weigh flexible, functional solutions over marketing pitches. Carefully evaluating system capabilities, partner experience, and long-term sustainability is vital for meaningful digital transformation.

PAYMENTS INNOVATION

Payments in 2025 will be shaped by digital-first ecosystems, expanded open finance, and a rising focus on sustainability and fraud prevention. Expect tighter regulations and market-driven innovation, especially in eCommerce and real-time payments. Companies adopting robust risk strategies and collaboration will best handle changing consumer needs.

FINANCE INNOVATION

SAP’s new Finance and Spend tools, featured at Sapphire 2025, offer embedded virtual cards in SAP Ariba to simplify supplier payments and reduce fraud risk, WalkMe Premium for seamless user guidance, and AI-driven Joule agents to automate routine finance tasks. SAP Taulia Receivables integration provides faster access to working capital, helping finance teams respond quickly to economic turbulence. These updates directly help businesses streamline workflows, enhance payment security, and improve adaptability in volatile conditions.

Bobsguide is a ClickZ Media publication in the Finance division