Embedded Advantage | Lending That Listens💸

A NEWSLETTER AFFILIATED TO

Editor’s Pick 📌

📉 Traditional Lending Doesn’t Just Fail Small Businesses, It Makes Them Feel Like They’ve Already Lost.

At Money20/20 Europe yesterday, Liberis CEO Rob Straathof shared why embedded finance is about more than just convenience—it’s about restoring confidence for small businesses.

“When a small business applies for a bank loan and gets rejected, it hurts. We remove that fear by pre-approving them before they even apply.”

This is what embedded capital looks like when done right:

•  ✅ Real-time approvals based on platform data

•  ✅ Offers surfaced within the eBay seller dashboard

•  ✅ Repayments that flex with sales, no pressure, no guesswork

Rob puts it plainly: small businesses need confidence, not complexity.

Press here to learn more

Industry Trends & Innovation 💡

BUSINESS INTEGRATION

Embedded Integration Platforms Market to Expand with 7.6% CAGR by 2032

Discover how embedded integration platforms, critical for seamless connectivity in today's digital-first world, are expected to grow at a 7.6% CAGR by 2032. These platforms allow businesses to efficiently manage workflows between cloud-based and on-premise tools, thereby enhancing productivity and reducing errors. The rising demand for connected systems across various industries underscores their importance, offering crucial capabilities—such as drag-and-drop workflows and API management—that drive both business agility and user satisfaction.

AUTO FINANCE TRENDS

Auto Financing Evolution and Driver Trends 2024-2030 for Seamless Journeys

Explore the auto finance market transitioning to digital-first models, projected to hit $4.8 trillion by 2030. This growth is fueled by fintech innovations, online pre-approvals, and partnerships, emphasizing speed, transparency, and flexibility for a new generation of consumers prioritizing access over ownership.

PAYMENT TRENDS

Payments in 2025 - Simpler, Smarter, and Faster While Challenges Persist

In 2025, payment systems focus on speed, security, and user-friendly integration, driven by technologies like real-time payments, digital wallets, AI, and biometrics. This shift pressures banks to deliver advanced services as consumers demand more control and efficiency in financial transactions. Addressing cross-border transfer complexities remains critical to meeting expanding expectations.

CRYPTO M&A FOCUS

Crypto's Central Role in Fintech M&A in 2025's Infrastructure Transformation

Crypto M&A in 2025 is critical for fintechs as digital assets shift from speculation to essential infrastructure. Regulatory clarity in the EU and UK supports mergers, while tokenization demands new asset management methods. Staying ahead requires understanding these dynamics and participating actively in the evolving landscape.