【OC&C】Embedded Finance
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uncommon senseTM
Opportunities for ERP and payroll SaaS providers
Embedded Finance
02 | OC&C Embedded Finance
EMBEDDED FINANCE IS A MATERIAL OPPORTUNITY FOR
SAAS ERP AND PAYROLL PROVIDERS. OC&C’S RESEARCH
SUGGESTS THAT AN EBITDA UPLIFT OF 20-30% COULD BE
ACCESSIBLE ON A 2-3 YEAR TIMESCALE, WITH A MUCH
LARGER OPPORTUNITY AVAILABLE IN THE LONGER TERM.
We believe that a new generation of specialist embedded nance providers can
offer rapid time-to-value and a proposition that allows you to keep full control of the
customer relationship and workow.
We’d encourage you to take this opportunity seriously.
In this paper, we aim to provide a short brieng on the opportunity. We will outline:
1. How the Embedded Finance value chain works in ERP and Payroll – and in
particular how it now enables ERP and payroll software players to offer valuable
nancial services to customers with very low friction and no regulatory exposure.
2. An overview of embedded nance products with most traction today.
3. A worked example showing how a 20-30% EBITDA uplift is available on
a 2-3 year time frame and an illustrative view of how transformational EBITDA
uplift might be achievable over time – something that has already been achieved
by some vertical software players (e.g. Toast in US Hospitality).
4. Your potential options to move ahead and capture the opportunity.
OC&C Embedded Finance | 03
EXHIBIT 1: EMBEDDED FINANCE VALUE CHAIN IN B2B SAAS
The Embedded
Finance value chain
THE VALUE CHAIN FOR EMBEDDED FINANCE IS
TYPICALLY COMPOSED OF THREE STEPS, FROM
THE END CUSTOMER (SUCH AS AN SME) TO A
FULLY ‘REGULATED’ FINANCIAL ENTITY, TYPICALLY
VIA A SOFTWARE PLATFORM (E.G. ERP SOFTWARE)
AND A FINANCIAL SERVICES ENABLER.
We note that more nancial services enablers are moving towards getting
full banking licenses (e.g. Swan.io in France) and banks are launching
own Banking as a Service (BaaS) platforms to provide embedded nance
experiences (e.g. NatWest bank launching Boxed).
The implication for SaaS providers is that provision of nancial products
is becoming increasingly straightforward and does not require building
in-house ntech capabilities.
End User / Customer
SMEs
Users of SaaS
application e.g. ERP
and potential buyers
of nancial products.
Fragmented
e.g. shops,
restaurants
Software Platform
B2B SaaS Vendors
Cloud-enabled
SaaS provider and
owner of customer
relationship and
customer journey.
We are focusing
on ERP and payroll
software providers in
this paper.
Financial Services Enabler
Mix of Regulated and Unregulated Entities
Varied eco-system of providers enabling the integration of
nancial products into non-nancial customer workows.
Mix of regulated and unregulated entities, with the former
able to issue nancial products directly (e.g. via own
banking license).
Includes multiple activities such as onboarding of customers,
compliance services, provision of technology layer and
issuing of licensed nancial products.
Embeddable
Solutions
API-enabled
Banking
摘要:
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uncommonsenseTMOpportunitiesforERPandpayrollSaaSprovidersEmbeddedFinance02|OC&CEmbeddedFinanceEMBEDDEDFINANCEISAMATERIALOPPORTUNITYFORSAASERPANDPAYROLLPROVIDERS.OC&C’SRESEARCHSUGGESTSTHATANEBITDAUPLIFTOF20-30%COULDBEACCESSIBLEONA2-3YEARTIMESCALE,WITHAMUCHLARGEROPPORTUNITYAVAILABLEINTHELONGERTERM.Web...
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作者:林sir
分类:电子书
价格:免费
属性:12 页
大小:3.19MB
格式:PDF
时间:2024-05-21