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The Fintech Brief Weekly Newsletter | 🚀 Power Moves in Fintech: SWiM, HSBC, and More
PLUS: The Future of Payments: How Industry Leaders Are Adapting
Nandini Sehgal
March 13, 2025
A NEWSLETTER AFFILIATED TO
Editor’s Pick 📌
Embedded Finance is Taking Over – Here’s What We’ve Learned at Fintech Meetup
Bobsguide are on the ground at Fintech Meetup 2025, and a few clear themes are emerging:
✅ Embedded finance is becoming the backbone of financial services—integrating lending, payments, and banking into everyday platforms.
✅ AI-driven personalization is transforming customer experiences and credit decisions.
✅ Alternative funding models like revenue-based financing are opening new growth opportunities.
Liberis is at the heart of these shifts—empowering businesses with seamless access to capital through embedded lending.
Expert View🧠
Driving Resilient Growth Through Embedded Finance
In today’s volatile market, businesses must adapt quickly. Trade tariffs, shifting policies, and economic downturns are straining traditional funding channels, pushing platforms to explore embedded finance—integrating payments, lending, and insurance directly into their ecosystems.
Embedded finance creates new revenue streams, strengthens seller relationships, and improves cash flow management. Platforms with integrated financial tools can offer instant credit and smoother transactions, helping businesses stay resilient during market shocks.
To succeed, identify key pain points like credit access or cash flow delays. Start small—test embedded payment options or micro-lending to measure impact. Learning from successful cases and investing in strong analytics and fintech partnerships will help refine your approach.
Auditing current financial systems, partnering with fintech experts, and developing contingency plans can turn market disruptions into growth opportunities. Embedded finance enhances stability, scales operations, and mitigates risk—transforming uncertainty into a strategic advantage.
Industry Trends & Innovation 💡
FINTECH INNOVATION
SWiM Worldwide is revolutionising the global payments industry with its innovative fintech solutions:
SWiM PAY: Enables seamless international transactions in 49 currencies across 190 countries, tackling inefficiencies in traditional banking.
SWiM GDS: The first Global Distribution System crafted for the maritime sector, addressing cash flow and debt challenges.
SWiM REWARDS: A vibrant, USD-based loyalty rewards initiative that stimulates global trading.
With their Pre-IPO venture, investors can engage in an opportunity primed for significant returns, anticipating an IPO within 24 months. It’s a chance to join a disruptive force across multiple trillion-dollar industries. The audacity to challenge existing norms and embrace cutting-edge technology underscores SWiM’s ethos. Never has riding the fintech wave looked more promising, and now is the time for interested parties to act.
PAYMENT INNOVATION
Dejavoo and Evolv have forged a strategic partnership to revolutionise payment systems by integrating their complementary expertise. This collaboration enhances merchant services with reliable, future-ready technology. Through seamless software and hardware integration, they aim to empower businesses with efficient, secure payment solutions, driving growth and operational success.
ECOMMERCE ENTREPRENEURSHIP
Help your sellers succeed in 2025 by providing embedded funding solutions. Strong financial infrastructure—integrating payments, lending, and credit—enables sellers to manage cash flow, scale operations, and increase conversion rates. Offering seamless access to capital through embedded finance drives business growth and strengthens partner relationships.
Market Moves & Investment 💰
DIGITAL TRANSFORMATION
American Eagle Financial Credit Union is advancing its digital transformation by adopting Alkami’s Digital Banking platform. This strategic choice, enhancing retail and business services, fosters growth via targeted marketing and access to fintech integrations. Notably, Alkami’s acquisition of Mantl for $400 million underscores this ambitious modernisation effort.
Regulations & Compliance ⚖️
ECOMMERCE SOLUTIONS
HSBC has teamed up with TreviPay to enhance eCommerce trade credit solutions for businesses, aiming to simplify digital purchases. This partnership leverages TreviPay’s order-to-cash technology, enabling firms to integrate trade credit into their online sales systems seamlessly. Not only does it facilitate smoother transactions, but it also aids in reducing days sales outstanding (DSO), leading to improved cash flow.
Objectives:
Provide flexible payment and financing options.
Manage invoices and buyer verification.
Optimise resource allocation.
This collaboration doesn’t just aim to simplify processes; it’s about expanding reach and managing risks. The innovative approach underscores HSBC's dedication to keeping pace with market needs while offering comprehensive solutions to its corporate clientele. As a new venture, it provides a novel way for businesses to manage finances more effectively online.
