WhiteSight

Affirm 🆚 Klarna Two BNPL giants. Same category. Very different scale. Here’s the FY2025 snapshot: 🇺🇸 @Affirm • GMV: $36.7B (+38% YoY) • Loan book: $7.03B • Active customers: 23M (+23%) • Merchants: 377K (+24%) • Revenue: $3.22B • Revenue growth: +39% • Net profit: $52.2M • Net profit growth: +110% 🇸🇪 @Klarna • GMV: $128B (+32% YoY) • Loan book: $10.46B • Active customers: 118M (+28%) • Merchants: 966K (+42%) • Revenue: $3.51B • Revenue growth: +25% • Net profit: $273M • Net profit growth: -1400% Takeaways: Klarna wins on scale. Affirm wins on growth. Same business model. Completely different stage. 📷 Source: Sanjeev Kumar - @WhiteSight_

@stripe 🆚 @Adyen The (Embedded Finance) Showdown: The Dutch payments company Adyen has emerged as a prominent player by seamlessly integrating financial products into its payment platform. With 27 global offices, $9.4B revenue, and $8.3B assets, Adyen has emerged as a payments powerhouse for enterprises, mid-market firms and platforms serving SMBs. Unlocking the power of unified commerce and digital payments for global enterprises, Adyen has evolved from its humble beginnings in 2006 to expand its scope and scale. In 2016, it introduced Adyen for Platforms (AfP) which enabled platforms to seamlessly embed payments into their offerings for SMBs, transcending sales channels and geographical barriers. But Adyen didn’t stop there. Recognizing the growing demand for greater control over payouts, the company broadened the scope of AfP to add Adyen Issuing (2019), expanding the embedded suite by enabling platforms to issue virtual and physical cards to their SMB customers. I highly recommend reading the complete comparison @WhiteSight_ article by Kshitija Kaur and Sanjeev Kumar to learn more: lnkd.in/euEg7y8V Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story Marcel. Next! [ ❤️ ] #embeddefinance #fintech #payments #paytech #digitalpayments #embeddedbanking #financialtechnology #fintechindustry #stripe #adyen #paymentprovider #paymentindustry

Stripe 🆚 Adyen The (Embedded Finance) Showdown: The Dutch payments company Adyen has emerged as a prominent player by seamlessly integrating financial products into its payment platform. With 27 global offices, $9.4B revenue, and $8.3B assets, Adyen has emerged as a payments powerhouse for enterprises, mid-market firms and platforms serving SMBs. Unlocking the power of unified commerce and digital payments for global enterprises, Adyen has evolved from its humble beginnings in 2006 to expand its scope and scale. In 2016, it introduced Adyen for Platforms (AfP) which enabled platforms to seamlessly embed payments into their offerings for SMBs, transcending sales channels and geographical barriers. But Adyen didn’t stop there. Recognizing the growing demand for greater control over payouts, the company broadened the scope of AfP to add Adyen Issuing (2019), expanding the embedded suite by enabling platforms to issue virtual and physical cards to their SMB customers. I highly recommend reading the complete comparison @WhiteSight_ article by Kshitija Kaur and Sanjeev Kumar to learn more: lnkd.in/euEg7y8V Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story Marcel. Next! [ ❤️ ] #embeddedfinance #fintech #payments #paytech #digitalpayments #embeddedbanking #financialtechnology #fintechindustry #stripe #adyen #paymentprovider #paymentindustry

The State of Embedded Finance by @WhiteSight_ Let’s dive into the evolution of embedded finance in 2023: According to Bain & Company, financial services integrated into e-commerce and various software platforms represented $2.6 trillion, equivalent to almost 5% of the total US financial transactions in 2021. It is projected that by 2026, this figure will surpass $7 trillion, representing a massive economic opportunity for the non-banks. Embedded finance has been initially driven by integrating embedded payments by non-banking entities. In 2023, it grew massively in both scope and scale with almost every financial service such as bank accounts, cards, credit products, investments, and insurance coming into the mix. I highly recommend reading the complete source article for more info: lnkd.in/eHq-bYs5 Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story, Marcel. Next! [ ❤️ ] #embeddedfinance #embeddedbanking #fintech #financialtechnology #fintechindustry #embeddedfintech #payments #paytech #digitalbanking #openbanking #fintechnews

Embedded Finance takes off in Europe: Germany and the UK lead embedded finance innovation. Progressive regulations and policies in the UK and Europe, such as open banking, PSD2, and FinTech licences (electronic money institutions, digital or startup banks, etc.), have led to the creation of an abundant playground for innovation. Non-banks across the UK and EU are experimenting with contextual embedded financial products for captive users. Varying from individuals to freelance professionals and small businesses, the audience for these offerings is quite diverse. Read the complete @WhiteSight_ source article for more info: lnkd.in/eW-37Q98 Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ] Nice story, Marcel. Next! [ ❤️ ]  #embeddedfinance #embeddedbanking #embeddedfintech #fintech #fintechindustry #financialtechnology #openbanking #paytech #financialservices