What is changing in commerce and how is embedded finance kicking down barriers?

More people than ever are starting a business, and the shift towards ecommerce has accelerated dramatically in the last 18 months. As lockdowns relax and consumers start to return to physical outlets, merchants will continue to rely on the innovations - from contactless to embedded finance - that saw them through the pandemic.

In our white paper 'Embedded Finance: the Hidden Enabler in Commerce', we set out to investigate how online businesses seek and obtain finance today. We commissioned a survey of 500 UK decision makers within businesses that sell online and also conducted qualitative interviews with merchants we have financed through our partnership with Shopify.

The paper explores how technology platforms and payment service providers play an increasingly important role in supporting growth through business finance embedded in their core solutions.