Fintech Insider Podcast by 11:FS

980. Insights: Can embedded finance be a fix-all for SMBs?

Jul 17, 2025
Guest
Hanna Sommer
Guest
Stéphane Dehaies
Guest
Marcin Glogowski
Marcin Glogowski, the UK CEO of Marqeta, dives into the latest State of Payments report, revealing critical challenges facing small and medium-sized businesses (SMBs). Stéphane Dehaies from Spendesk discusses innovative spend management tools, highlighting how tailored solutions can enhance financial accessibility for SMBs. Hanna Sommer of Liberis explores the benefits of embedded finance and flexible funding options, such as 'Pay with Libris', showcasing how these innovations empower SMBs to thrive in a competitive landscape.
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INSIGHT

SMB Financial Vulnerability Insight

  • SMBs face huge financial vulnerability due to lack of deep pockets and difficulty accessing traditional bank funding.
  • They need scalable, efficient financial solutions that operate quietly in the background so they can focus on running their business.
INSIGHT

SMB Payment System Challenges

  • SMBs struggle with fragmented payment systems causing inefficient reconciliation and delayed financial visibility.
  • Limited internal resources make it hard to manage spend and procurement effectively without real-time tools.
ANECDOTE

BNPL In-App for Salon Owners

  • Vegaro integrates Libris' BNPL in-app for salon owners to fund equipment and supplies seamlessly.
  • This removes financing friction, supporting high-ticket and seasonal purchases in beauty and retail sectors.
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