Embedded Finance as a Tool to Increase ROI

Embedded Finance as a Tool to Increase ROI

Embedded Finance as a Tool to Increase ROI

The ROI, or Return on Investment, is a key indicator of a company's success. A high ROI means the company is profiting from any investments carried out. Therefore, companies make investment decisions based on their potential ROI.

 

One way to increase the ROI is efficient financial management, using the right tools to optimize your financial processes like payment processing or invoicing, and mainly borrowing and investing money with careful cash management. Embedded Finance is the best tool and represents financial services offered by non-financial institutions. Embedded Finance includes payment processing, lending, invoice finance, insurance, and even investing.

 

Let's begin with financial processes. Financial processes can cost a lot of money if done by the company since you need employees to process the invoices and process payments. The costs mount if you are a merchant selling retail products and have multiple sales a day. By using embedded finance products related to payment processing or invoicing, your company can save time and money as the payment and invoicing are processed directly by the payment processing company offering the service. This is why payment processing services revenue is expected to grow exponentially over the next few years, shown in the chart below with 34.96 billion in 2019 up to 84.11 billion in 2027.

 

Source: https://www.openpr.com/news/2041978/payment-processing-solutions-market-may-see-a-big-move-first#prid-2041978

 

It's not only about saving time and money in administration, but also improving the customer experience, allowing you to increase customer loyalty. A loyal customer will return, generating more revenue and increasing the ROI. If you can offer your customers an efficient and secure online payment process, and combine that with a BNPL service, you will ensure that the payment experience is a pleasant one. A recent survey among people who prefer BNPL rather than credit cards showed that BNPL payment method is easier, more flexible, has lower interest rates, and faster approval.

 

Source: https://www.turnkey-lender.com/blog/embedded-finance-increase-your-roi-and-customer-loyalty/

 

With embedded finance reducing costs and increasing customer loyalty and confidence in financial processes, how can it help you improve your ROI through borrowing and investing? Almost one-quarter of U.S. adults are either unbanked or underbanked.

 

Source: https://morningconsult.com/2021/08/17/unbanked-underbanked-demographic-profile/

 

Within this demographic, many are small merchants with equally small stores and revenue, so they are unattractive to banks as customers. Only 51% of small businesses in rural regions have loans approved, and in urban regions, that number drops to just 38%.

 

Source: https://www.zippia.com/advice/small-business-lending-statistics/

 

Embedded finance is the solution. Instead of owning a physical store, a digital store on Amazon or eBay would open doors to cheaper and faster loans through embedded lending. Embedded lending uses revenue data directly from user stats to calculate loans and offer merchants a lower interest rate than banks since banks use a different risk assessment process that involves more detailed information. Accessing cheaper and faster loans can help your business grow faster, improving the ROI.

 

Finally, through embedded investing, you could boost your extra cash when your inventories are full. Several companies, mostly payment processing companies, allow their customers to invest directly from payments collected. For example, Paypal allows their customers to buy cryptocurrency, making investing faster and cheaper without moving the money to the bank or a broker to invest it. Invested money will generate profits, which could increase ROI.

 

For these reasons, embedded finance has been growing exponentially in recent years, and is expected to continue. Finding the right tools to improve your ROI and financial efficiency can be challenging, but with technology and embedded finance, you can’t go wrong.

TIME TO ACT

Help your merchants grow, grow yourself

What are you waiting for? It's time to get started.

Latest Posts

GETTING STARTED WITH RICHIE AI's REFERRAL PROGRAM
@ermek.k | Dec 23, 2021

GETTING STARTED WITH RICHIE AI's REFERRAL PROGRAM

Everything you need to know to start making money with Richie AI's Referral Program.

Tutorial Links
@richie | Mar 14, 2024

Tutorial Links

Tutorial Links

Embedded Lending: The Right Tool for Your SME to Grow
@richie | Dec 1, 2022

Embedded Lending: The Right Tool for Your SME to Grow

The Right Tool for Your SME to Grow

SaaS Affiliate Marketing webinar
@richie | Oct 11, 2022

SaaS Affiliate Marketing webinar

Webinar. SaaS Affiliate Marketing: how to use it for growth

B2B SaaS series of webinars - Lead Generation
@richie | Nov 28, 2022

B2B SaaS series of webinars - Lead Generation

How To Create a Lead Generating Marketing Funnel

Embedded Lending
@richie | Nov 29, 2022

Embedded Lending

Why Could Embedded Lending Skyrocket in the Middle of a Financial Crisis?

Embedded Finance
@richie | Dec 1, 2022

Embedded Finance

Three Ways Embedded Finance is Changing the Financial Services Industry

Financial Planning
@richie | Nov 29, 2022

Financial Planning

5 Reasons to Plan Your Financial Results and How to Do It

NASDAQ: What is going on with the market?
@richie | Oct 12, 2022

NASDAQ: What is going on with the market?

NASDAQ: What is going on with the market?

How 3 Black entrepreneurs created new opportunities for their communities
@richie | Jun 20, 2022

How 3 Black entrepreneurs created new opportunities for their communities

How 3 Black entrepreneurs created new opportunities for their communities

Small, yet impactful: Latinx entrepreneurs
@richie | Jun 22, 2022

Small, yet impactful: Latinx entrepreneurs

Small, yet impactful: Latinx entrepreneurs

B2B SaaS series of webinars - Merchant Marketing
@richie | Sep 1, 2022

B2B SaaS series of webinars - Merchant Marketing

Merchant Marketing: Upselling to Existing Customers for B2B SaaS

Types of SBA loans
@richie | Jul 21, 2022

Types of SBA loans

Types of SBA loans and qualifications

Indigenous entrepreneurs using their heritage as business principles
@richie | Jan 16, 2021

Indigenous entrepreneurs using their heritage as business principles

Indigenous entrepreneurs using their heritage as business principles

B2B SaaS series of webinars. Soft Skills: Storytelling for SaaS founders
@richie | Nov 3, 2022

B2B SaaS series of webinars. Soft Skills: Storytelling for SaaS founders

Webinar with Joshua Schulman

The community at its core: how Richie AI's head of operations found queer-friendly space within the company
@richie | Jun 22, 2022

The community at its core: how Richie AI's head of operations found queer-friendly space within the company

The community at its core: how Richie AI's head of operations found queer-friendly space within the company

Richie AI Demo
@richie | Mar 12, 2024

Richie AI Demo

Richie AI Demo

The Rise of AI - Best Practices for Using ChatGPT In Your Business
@richie | Feb 13, 2023

The Rise of AI - Best Practices for Using ChatGPT In Your Business

B2B SaaS webinar: ChatGPT

Resources and Support for Small Business Owners
@richie | Mar 22, 2024

Resources and Support for Small Business Owners

Empowering Entrepreneurs: Resources and Support for Small Business Owners

Richie AI - Embedded Lending for B2B SaaS platforms
@richie | Jan 27, 2023

Richie AI - Embedded Lending for B2B SaaS platforms

Richie AI

Embedded Finance as a Tool to Increase ROI
@richie | Jan 5, 2023

Embedded Finance as a Tool to Increase ROI

Embedded Finance as a Tool to Increase ROI

Inflation: Update and Possible Scenarios for 2023
@richie | Feb 23, 2023

Inflation: Update and Possible Scenarios for 2023

Inflation: Update and Possible Scenarios for 2023

B2B SaaS series of webinars - Product Channel Fit
@richie | Dec 14, 2022

B2B SaaS series of webinars - Product Channel Fit

B2B SaaS: Finding Product Channel Fit

Strategic Decision-Making in SaaS
@richie | Feb 23, 2024

Strategic Decision-Making in SaaS

Leveraging Analytics for Strategic Decision-Making in SaaS Businesses

SendGrid and Email Deliverability
@richie | May 15, 2023

SendGrid and Email Deliverability

How to connect your own SendGrid API Key to Richie AI? How to fix email deliverability problems?

Exclusive offer for VC portfolio companies
@richie | Mar 7, 2023

Exclusive offer for VC portfolio companies

Richie AI provides marketplaces and b2b saas platforms across the globe with a complete embedded lending solution

Embedded Finance: One of the Keys to Online Business
@richie | Mar 13, 2023

Embedded Finance: One of the Keys to Online Business

Embedded Finance: One of the Keys to Online Business

The SVB Fallout: Banking in Chaos
@richie | Mar 18, 2023

The SVB Fallout: Banking in Chaos

Podcast The SVB Fallout: Banking in Chaos

Richie AI's Solution to Grow B2B Saas Merchants
@richie | Jul 15, 2022

Richie AI's Solution to Grow B2B Saas Merchants

Embedded Lending Infrastructure for B2B SaaS platforms

Optimizing your Sales & GTM with what you already have
@richie | Mar 18, 2023

Optimizing your Sales & GTM with what you already have

B2B SaaS webinar: Optimizing your Sales & GTM with what you already have

Get Started with Richie AI
@richie | May 4, 2023

Get Started with Richie AI

Get Started with Richie AI

Embracing Digital Transformation
@richie | Feb 20, 2024

Embracing Digital Transformation

Embracing Digital Transformation: Navigating the New Era of Lending

Integrating Seamless Payment Solutions for Marketplaces
@richie | Feb 23, 2024

Integrating Seamless Payment Solutions for Marketplaces

Integrating Seamless Payment Solutions for Marketplaces: A Guide

Benefits for B2B SaaS
@richie | Aug 16, 2022

Benefits for B2B SaaS

Learn More How B2B SaaS Can Benefit from Richie AI's Lending Solution

The Global Economy Digest: Understanding Today's Financial Frontiers
@richie | Jul 28, 2023

The Global Economy Digest: Understanding Today's Financial Frontiers

The Global Economy Digest: Understanding Today's Financial Frontiers

Aligning Investments with Environmental Goals
@richie | Feb 21, 2024

Aligning Investments with Environmental Goals

Sustainable Financing: Aligning Investments with Environmental Goals

The Impact of Cloud Technology on SaaS Scalability and Performance
@richie | Feb 23, 2024

The Impact of Cloud Technology on SaaS Scalability and Performance

The Impact of Cloud Technology on SaaS Scalability and Performance

The Psychology of Borrowing: Influencing Factors in Financial Decision Making
@richie | Mar 1, 2024

The Psychology of Borrowing: Influencing Factors in Financial Decision Making

The Psychology of Borrowing: Influencing Factors in Financial Decision Making

Navigating Compliance Challenges in MCA
@richie | Mar 1, 2024

Navigating Compliance Challenges in MCA

Navigating Compliance Challenges: Staying Ahead of Regulatory Changes

Strategies for MCA Brokers in Volatile Markets
@richie | Mar 1, 2024

Strategies for MCA Brokers in Volatile Markets

Navigating Economic Uncertainty: Strategies for MCA Brokers in Volatile Markets

Automated Emails Sent to Customers
@richie | Mar 5, 2024

Automated Emails Sent to Customers

Automated Emails Sent to Customers

Decoding Global Finance
@richie | Sep 21, 2023

Decoding Global Finance

Decoding Global Finance: Argentina's Shift, BRICS Ambitions, and U.S. Hurdles

Getting Started With Richie AI
@kaitlin | Sep 14, 2021

Getting Started With Richie AI

Here, we will walk you through the steps to getting started on our platform.

Richie AI Demo
@richie | Sep 18, 2023

Richie AI Demo

Richie AI Demo

How Fintech is Reshaping Business Financing
@richie | Feb 21, 2024

How Fintech is Reshaping Business Financing

Understanding Industry Disruption: How Fintech is Reshaping Business Financing

Women can change narratives - and they need money to do so
@richie | Jan 16, 2021

Women can change narratives - and they need money to do so

Women Can Change Narratives - and They Need Money To Do So

How Can the Federal Reserve Affect Your Business?
@richie | Sep 20, 2022

How Can the Federal Reserve Affect Your Business?

How Can the Federal Reserve Affect Your Business?

Richie AI CEO / Founder pitch
@richie | Feb 6, 2023

Richie AI CEO / Founder pitch

Richie AI CEO / Founder pitch at the International Forum

SaaS and Fintech: The Creation of Embedded Finance
@richie | May 2, 2023

SaaS and Fintech: The Creation of Embedded Finance

SaaS and Fintech: The Creation of Embedded Finance

🚀 Cyber Monday: 50% Off Richie AI's CRM - Today Only!
@richie | Nov 27, 2023

🚀 Cyber Monday: 50% Off Richie AI's CRM - Today Only!

🚀 Cyber Monday Deal Alert for Loan Brokers: 50% Off Richie AI's CRM - Today Only!

The Science Behind Credit Scoring in the Digital Age
@richie | Nov 8, 2023

The Science Behind Credit Scoring in the Digital Age

The Science Behind Credit Scoring in the Digital Age

Podcast. Global Economy Deep Dive: Germany, China, Israel, and Argentina
@richie | Dec 1, 2023

Podcast. Global Economy Deep Dive: Germany, China, Israel, and Argentina

Global Economy Deep Dive: Unraveling the Tangles of Germany, China, Israel, and Argentina

Decoding Global Finance Podcast
@richie | Sep 26, 2023

Decoding Global Finance Podcast

Podcast: Decoding Global Finance: Argentina's Shift, BRICS Ambitions, and U.S. Hurdles

Revolutionizing Loan Brokerage
@richie | Nov 20, 2023

Revolutionizing Loan Brokerage

Revolutionizing Loan Brokerage: Discover Richie AI's Application Management System

SaaS Platform Monetization Strategies
@richie | Oct 26, 2023

SaaS Platform Monetization Strategies

SaaS Platform Monetization Strategies: Maximizing Revenue with Richie AI

Scaling Your Broker Business
@richie | Nov 3, 2023

Scaling Your Broker Business

Scaling Your Broker Business: When and How to Expand

Richie AI Version 7.04
@richie | Nov 8, 2023

Richie AI Version 7.04

Introducing Richie AI Version 7.04: A Leap Forward in Business Automation

Unlocking Growth Opportunities
@richie | Dec 5, 2023

Unlocking Growth Opportunities

Unlocking Growth Opportunities: How Embedded Lending Empowers B2B SaaS Merchants

Richie AI CRM new features
@richie | Dec 6, 2023

Richie AI CRM new features

Unveiling Richie AI CRM Version 7.05: A New Era of Brokerage Efficiency

Success Stories
@richie | Dec 5, 2023

Success Stories

Success Stories: How Embedded Lending Transformed B2B SaaS Merchants

Become a Super Broker with Richie AI's Master Franchise Program
@richie | Feb 21, 2024

Become a Super Broker with Richie AI's Master Franchise Program

Unlock Your Potential: How to Become a Super Broker with Richie AI's Master Franchise Program

Negotiation Tactics in MCA
@richie | Mar 6, 2024

Negotiation Tactics in MCA

Mastering Negotiation Tactics: Strategies for Securing the Best Deals for Clients

Streamlining the Loan Process for Clients
@richie | Feb 21, 2024

Streamlining the Loan Process for Clients

From Application to Approval: Streamlining the Loan Process for Clients

Establishing Credibility and Authority in the Brokerage Industry
@richie | Feb 21, 2024

Establishing Credibility and Authority in the Brokerage Industry

Building Trust: The Key to Establishing Credibility and Authority in the Brokerage Industry

Regulatory Compliance in Embedded Lending for SaaS Platforms
@richie | Feb 22, 2024

Regulatory Compliance in Embedded Lending for SaaS Platforms

Navigating Regulatory Compliance in Embedded Lending for SaaS Platforms

The Impact of Global Events on Lending Trends
@richie | Nov 8, 2023

The Impact of Global Events on Lending Trends

The Impact of Global Events on Lending Trends

Richie AI's Podcast Series
@richie | Dec 11, 2023

Richie AI's Podcast Series

Richie AI's Podcast Series: Uncovering the Intricacies of Global Economics

The Future of AI in B2B SaaS: Trends and Predictions
@richie | Jan 18, 2024

The Future of AI in B2B SaaS: Trends and Predictions

The Future of AI in B2B SaaS: Trends and Predictions

Unlock Growth with Richie AI's B2B SaaS Webinar Series
@richie | Dec 11, 2023

Unlock Growth with Richie AI's B2B SaaS Webinar Series

Unlock Growth with Richie AI's B2B SaaS Webinar Series

Introducing 'MCA and Loan Brokers Growth Strategies'
@richie | Dec 21, 2023

Introducing 'MCA and Loan Brokers Growth Strategies'

"Introducing 'MCA and Loan Brokers Growth Strategies': Your New Facebook Hub for Industry Excellence"

Successful Case Studies of MCA Deals
@richie | Jan 25, 2024

Successful Case Studies of MCA Deals

Successful Case Studies of MCA Deals: Real Stories of Triumph

Exploring Global Economic Trends: Argentina's Bold Moves & World Markets
@richie | Dec 28, 2023

Exploring Global Economic Trends: Argentina's Bold Moves & World Markets

Exploring Global Economic Trends: Argentina's Bold Moves & World Markets

Embracing the Future: Richie AI CRM 7.06 and Beyond
@richie | Jan 10, 2024

Embracing the Future: Richie AI CRM 7.06 and Beyond

Embracing the Future: Richie AI CRM 7.06 and Beyond

Navigating the Maze of Business Financing: Insights from Comprehensive Loan Handbook
@richie | Jan 23, 2024

Navigating the Maze of Business Financing: Insights from Comprehensive Loan Handbook

Navigating the Maze of Business Financing: Insights from Comprehensive Loan Handbook

Optimizing Your SaaS Platform for Mobile Users
@richie | Jan 23, 2024

Optimizing Your SaaS Platform for Mobile Users

Optimizing Your SaaS Platform for Mobile Users

Maximizing Customer Engagement: Strategies for B2B SaaS Platforms
@richie | Jan 11, 2024

Maximizing Customer Engagement: Strategies for B2B SaaS Platforms

Maximizing Customer Engagement: Strategies for B2B SaaS Platforms

A Broker's Guide to Ensuring Compliance in the MCA Industry
@richie | Jan 29, 2024

A Broker's Guide to Ensuring Compliance in the MCA Industry

A Broker's Guide to Ensuring Compliance in the MCA Industry

Proven Marketing Strategies for MCA Brokers
@richie | Jan 24, 2024

Proven Marketing Strategies for MCA Brokers

Proven Marketing Strategies for MCA Brokers

Building Strong Vendor Relationships in E-commerce Marketplaces
@richie | Jan 25, 2024

Building Strong Vendor Relationships in E-commerce Marketplaces

Building Strong Vendor Relationships in E-commerce Marketplaces

Effective Strategies for Reducing Churn in SaaS Businesses
@richie | Jan 30, 2024

Effective Strategies for Reducing Churn in SaaS Businesses

Effective Strategies for Reducing Churn in SaaS Businesses

Financial Analysis Techniques for MCA Brokers
@richie | Jan 30, 2024

Financial Analysis Techniques for MCA Brokers

Financial Analysis Techniques for MCA Brokers

Implementing Efficient Customer Support Systems in SaaS Platforms
@richie | Jan 31, 2024

Implementing Efficient Customer Support Systems in SaaS Platforms

Implementing Efficient Customer Support Systems in SaaS Platforms

Harnessing the Power of Social Media for B2B Marketing
@richie | Feb 1, 2024

Harnessing the Power of Social Media for B2B Marketing

Harnessing the Power of Social Media for B2B Marketing

Managing a Diverse Portfolio in the MCA Business
@richie | Jan 31, 2024

Managing a Diverse Portfolio in the MCA Business

Managing a Diverse Portfolio in the MCA Business

Data Security in SaaS
@richie | Feb 22, 2024

Data Security in SaaS

The Role of Data Security in Building Trust with Your SaaS Users

Retention Strategies for SaaS
@richie | Mar 8, 2024

Retention Strategies for SaaS

Understanding the Customer Lifecycle: Retention Strategies for SaaS

B2B SaaS Library
@richie | Feb 2, 2024

B2B SaaS Library

B2B SaaS Library

Quick Guide to Loan Products
@richie | Feb 5, 2024

Quick Guide to Loan Products

Quick Guide to Loan Products

Richie AI Semi-Annual and Annual Subscription Plans
@richie | Feb 5, 2024

Richie AI Semi-Annual and Annual Subscription Plans

Richie AI Semi-Annual and Annual Subscription Plans

Identifying and Managing Risks in MCA Deals: a Broker's Essential Guide in the US Market
@richie | Feb 5, 2024

Identifying and Managing Risks in MCA Deals: a Broker's Essential Guide in the US Market

Identifying and Managing Risks in MCA Deals: a Broker's Essential Guide in the US Market

Revolutionizing Loan Brokerage: Cutting-Edge Software Solutions to Propel Your Business
@richie | Feb 5, 2024

Revolutionizing Loan Brokerage: Cutting-Edge Software Solutions to Propel Your Business

Revolutionizing Loan Brokerage: Cutting-Edge Software Solutions to Propel Your Business

Leveraging Technology in MCA Brokerage
@richie | Feb 5, 2024

Leveraging Technology in MCA Brokerage

Leveraging Technology in MCA Brokerage

Strategies for Long-Term Client Retention in MCA Business
@richie | Feb 5, 2024

Strategies for Long-Term Client Retention in MCA Business

Strategies for Long-Term Client Retention in MCA Business

Recent Regulatory Changes Impacting MCA Brokers
@richie | Feb 5, 2024

Recent Regulatory Changes Impacting MCA Brokers

Recent Regulatory Changes Impacting MCA Brokers

Current Trends in the MCA Industry
@richie | Feb 5, 2024

Current Trends in the MCA Industry

Current Trends in the MCA Industry

How Economic Changes Affect the MCA Market
@richie | Feb 5, 2024

How Economic Changes Affect the MCA Market

How Economic Changes Affect the MCA Market

Comparing MCA with Traditional Business Loans: Pros and Cons
@richie | Feb 5, 2024

Comparing MCA with Traditional Business Loans: Pros and Cons

Comparing MCA with Traditional Business Loans: Pros and Cons

Navigating the Legal Aspects of MCAs in the USA
@richie | Feb 5, 2024

Navigating the Legal Aspects of MCAs in the USA

Navigating the Legal Aspects of MCAs in the USA

What is a Merchant Cash Advance and How Does it Work?
@richie | Feb 5, 2024

What is a Merchant Cash Advance and How Does it Work?

What is a Merchant Cash Advance and How Does it Work?

FAQ
@richie | Feb 9, 2024

FAQ

Frequently Asked Questions

Library for MCA and Business Loan Brokers
@richie | Feb 6, 2024

Library for MCA and Business Loan Brokers

Library for MCA and Business Loan Brokers

Innovative Financing Solutions for Small Businesses
@richie | Feb 9, 2024

Innovative Financing Solutions for Small Businesses

Unlocking Growth: Innovative Financing Solutions for Small Businesses

Leveraging Analytics for Smarter Lending Decisions
@richie | Feb 13, 2024

Leveraging Analytics for Smarter Lending Decisions

The Power of Data: Leveraging Analytics for Smarter Lending Decisions

Strategies for MCA Brokers in Volatile Markets
@richie | Feb 13, 2024

Strategies for MCA Brokers in Volatile Markets

Navigating Economic Uncertainty: Strategies for MCA Brokers in Volatile Markets

MCA Best Practices for Mitigating Financial Risks
@richie | Feb 13, 2024

MCA Best Practices for Mitigating Financial Risks

Mastering Risk Management: Best Practices for Mitigating Financial Risks

Emerging Trends in Alternative Finance
@richie | Feb 13, 2024

Emerging Trends in Alternative Finance

The Future of Funding: Emerging Trends in Alternative Finance

Richie AI 7.07 Update
@richie | Feb 15, 2024

Richie AI 7.07 Update

Exciting New Features in Richie AI 7.07 Update

Lender - Richie AI Partnership
@richie | Feb 16, 2024

Lender - Richie AI Partnership

Elevate Your Lending: Partner with Richie AI

2022 © Richie AI

Help your merchants grow, grow your own platform

Complete Lending Infrastructure In One Place. Create a business lending program and offer discounted loans to your merchants.