Unlocking Revenue: How B2B Platforms Leverage Embedded Finance

Nevertheless, there’s a clear divide between platforms which have embraced embedded finance as a strategic lever and those who stay hesitant or underdeveloped. Bigger platforms see probably the most dramatic returns. Two-thirds of companies producing greater than $1 billion yearly report a direct income enhance from this integration. All of those companies report that these instruments have improved buyer expertise. Smaller platforms, in the meantime, threat falling behind. One in 4 nonetheless lacks a single embedded functionality, regardless of their plans so as to add funds performance inside two years.

There has additionally been a strategic shift in how B2B platforms are constructing their embedded finance roadmaps. Somewhat than layering on new options, most platforms are doubling down on enhancements to present instruments, significantly digital wallets, funds and payout rails. This focus displays a broader maturity curve. As platforms scale, seamless integration, real-time information entry, threat controls and cross-functional execution matter greater than introducing new ideas. Success relies upon not on what number of encompasses a platform deploys, however how properly these options work collectively contained in the platform’s ecosystem.

“B2B Platforms Broaden Embedded Finance to Improve Buyer Expertise, Drive Income,” a PYMNTS Intelligence and Marqeta collaboration, explores how embedded finance has grow to be a defining aggressive edge for B2B platforms navigating more and more advanced buyer calls for and tighter digital expectations. Drawing on insights from 30 heads of fee at United States B2B platforms, the report reveals a market in transition.

In “B2B Platforms Broaden Embedded Finance to Improve Buyer Expertise, Drive Income,” find out how:

• Embedded finance is reshaping platform economics throughout the income funnel. From boosting transaction conversion to reducing acquisition prices by means of higher consumer experiences, the report reveals how monetary instruments embedded deep within the workflow change the economics of buyer lifetime worth.
• Platform scale influences each adoption technique and ROI. Bigger platforms display how embedded finance compounds in worth as capabilities mature, providing a roadmap for mid-tier gamers in search of larger returns by means of strategic enhancement slightly than by means of enlargement.
• Operational excellence determines whether or not embedded finance accelerates or stalls development. Platforms that prioritize seamless integration, regulatory energy and threat administration obtain sooner speed-to-market, extra environment friendly inside processes and stronger associate ecosystems.

Contained in the Report

“B2B Platforms Broaden Embedded Finance to Improve Buyer Expertise, Drive Income” is predicated on a PYMNTS Intelligence survey of 30 heads of fee at B2B platforms within the U.S. that was performed in July 2025. All respondents work at companies which have or plan to implement embedded finance capabilities. The examine examines how companies use this integration to enhance operations, improve buyer experiences, handle regulatory dangers and consider success. The pattern consists of a mixture of companies with assorted capabilities, together with co-branded playing cards, wallets, lending instruments and subscription funds.