SMBs Are Switching to Platforms with Embedded Finance

Small Businesses Are Moving Fast, and They Expect Their Software Partners to Keep Up

According to new research from PYMNTS Intelligence:

• 65% of SMBs are willing to switch vendors
• 91% say software will be key to their growth in 2025
• 90% want proactive innovation from tech platforms

These businesses aren’t leaving because of bad service or high prices. They’re leaving because their software lacks integrated financial tools like payments, lending, or real-time tracking.

Why Payments Matter Most

Integrated payments do more than speed up checkout. They help reduce cart abandonment, improve reconciliation, and drive top-line growth. In fact, embedded finance tools can increase revenue by 25 to 50%, depending on the industry.

Platforms that fail to meet these expectations risk being left behind.

Finance Tools That Drive Loyalty

Beyond payments, SMBs now expect full financial functionality built into their systems, from lending and payroll to invoicing and cash flow tracking. These tools eliminate fragmentation and help businesses respond faster to change.

Industries like healthcare, retail, hospitality, and logistics stand to benefit most. But the trend is clear across the board.

What This Means for Software Providers

Embedded finance is no longer a nice-to-have. It’s a requirement. Platforms that continuously innovate and deliver real financial tools will retain their users. Those that don’t, won’t.

Payment Solutions with Kubera Payments

At Kubera Payments, we help businesses across North America move millions of dollars daily, whether in-store, online, or on mobile. Our team of payment experts is here to guide you through the complexities of payment processing, ensuring your transactions are secure, reliable, and PCI-compliant. We have strong relationships with a wide network of acquirers and can help you find the right front-end and technology solutions to work together.

Get expert advice on optimizing your payments.

Contact our team at sales@kuberapayments.com or 604-484-9278.