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- Embedded Advantage Newsletter | 🌍 How Embedded Finance is Reshaping B2B Payments
Embedded Advantage Newsletter | 🌍 How Embedded Finance is Reshaping B2B Payments
PLUS: 🚀 AI and Embedded Finance – The Trends Driving Market Change
Nandini Sehgal
March 20, 2025 • Estimated Reading Time: 47 minutes
A NEWSLETTER AFFILIATED TO
Editor’s Pick 📌
Are you maximizing the potential of embedded finance? Join Liberis for an exclusive private session at ShopTalk Spring (March 25–27, 2025, Las Vegas) to explore how leading platforms are driving growth with revenue-based funding solutions. Discover how you can empower SMBs while creating new revenue streams and enhancing customer retention—all without adding complexity or risk.
Learn how Liberis helps partners seamlessly integrate embedded finance, scale lending programs, and drive long-term value.
Liberis breaks down the biggest insights from Fintech Meetup, where AI, embedded finance, and smarter lending were central themes. One speaker noted, "AI is no longer a future strategy — it's the present reality driving real-time decision-making." Embedded finance is also transforming the game, with one attendee explaining, "It’s about simplifying customer journeys and increasing access to capital." Another panelist highlighted that "Unified APIs are not just making payments faster—they’re making them smarter."
Key Takeaways:
AI is driving real-time decision-making and customer engagement.
Embedded finance simplifies customer journeys and boosts access to capital.
Unified APIs enable faster, more secure payment processing.
Predictive insights and seamless engagement are key for customer loyalty.
Liberis and Teya have expanded their partnership to offer quick, flexible funding to over 23,000 merchants in the Czech Republic and Slovakia. Businesses can access funds in as little as five minutes through a fully automated process, helping improve cash flow without the hassle of traditional loans. This builds on a successful UK rollout and leverages Liberis’ single API to streamline access to Teya Cash Advance. Plans are in place to scale across Europe and introduce new funding options.
Industry Insights🚀
AI COMPETITION
DeepSeek's affordable open-source AI model has sparked a competitive surge in China's tech giants, forcing Baidu, Tencent, and Alibaba to step up their AI strategies. In response, these companies are rapidly expanding investments and accelerating AI product rollouts, striving to match DeepSeek's successes.
Strategic Partnerships & Investments 💰
STRATEGIC PARTNERSHIPS
Checkout.com has extended its collaboration with Temu to manage payments across 30 markets. This move enhances the payment process through a range of options, including digital wallets and 'buy now, pay later' services. Leveraging AI, this initiative aims to provide seamless transactions and improve user checkout experiences.
FINTECH PARTNERSHIP
Navigating financial waters can sometimes feel daunting, especially in the rapidly changing world of eCommerce. Recently, Netflix-like innovation has reached the payment sector as Klarna, the Swedish buy now, pay later (BNPL) giant, announced an exclusive partnership with Walmart. By year's end, US shoppers will be able to benefit from the practical and flexible installment plans offered through the OnePay app, providing options that range from three months to an accommodating 36 months. Imagine the comfort of spreading out payments for those larger purchases without the immediate sting on your wallet.
This strategic move marks a notable shift in Walmart's financial ecosystem, as it phases out its collaboration with Affirm. This shift comes at a critical juncture for Klarna, as it gears up for a highly anticipated IPO, underlining the potential benefits of this partnership not only for their teams but for savvy shoppers like us. With Walmart choosing Klarna as its sole BNPL provider, the stage is set for a dynamic change in how Americans approach their spending habits, offering a smart strategy for maintaining financial health while indulging in necessary, or even occasional splurges. Isn't it time you considered the smarter way to manage payments?
Embedded Finance & B2B Innovation 💳
EMBEDDED FINANCE
Embedded finance is transforming B2B payments by integrating services like buy now, pay later (BNPL) into non-financial platforms, mirroring consumer ease in a corporate setting. FinTech innovations are streamlining previously cumbersome processes, enabling companies to focus on core operations. Interestingly, embedded finance solutions are turning financial processes invisible but essential, optimizing supplier relationships and fostering liquidity with structured installment plans. This evolution is steadily shifting the focus from antiquated systems to more engaging, efficient, and intelligent payment experiences.
Moreover, the rise of open banking and API-driven services allows seamless financial integration within existing business platforms, heralding a new era for B2B procurement. Companies able to leverage these technologies will likely thrive, as they're not just making transactions but enhancing overall business ecosystem efficiency. Despite the complexities of traditional banking infrastructures, both FinTechs and traditional banks are capitalizing on embedded finance, forming strategic alliances to meet modern demands. This financial transformation signals a significant shift in the procurement landscape, urging businesses to adapt swiftly.
