The Future of B2B FinTech: Enabling the Merchant

Despite strong technology players like Stripe, Square, PayPal, and Robinhood, traditional banks are still dominant.

What I see happening in B2B fintech is a sort of ‘consumerization’ of these previously unknown and unavailable methods of financing to the benefit of all founders, at all stages.

Financial services simply weren’t designed for the modern internet, and this is a pain point for businesses today: nearly half (46%) of companies report that their banking experience has hindered their company growth.

- Integrated payments and lending are unlocking new business models for software companies and vastly improving the user experience.

Now new fintech infrastructure companies have made it possible for SaaS businesses to add financial services alongside their core software product. By adding fintech, SaaS businesses can increase revenue per customer by 2-5x* and open up new SaaS markets that previously may not have been accessible due to a smaller software market or inefficient cu... See more

We think we can help grow the internet economy in four primary ways-# Increasing the rate of new business creation by lowering the cost an$ complexity of  getting started -# Helping established enterprises adapt their business mo$els to the internet-# Increasing cross-border commerce by simplifying and standardizing the complex  internat... See more

Universal access to payroll data holds promise for lenders, neobanks, employers, and B2B fintech companies in distinct and interesting ways.

Based on the fact that most founders are builders, not CFOs, it’s a fair assumption that most founders aren’t naturally skilled capital allocators and so aren’t aware of all of the alternative methods large companies utilize to finance their businesses. What I see happening in B2B fintech is a sort of ‘consumerization’ of these previously unknown a... See more