【OC&C】Embedded Finance

免费

3.0 林sir 2024-05-21 26 3.19MB 12 页免费

侵权投诉

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 workow.

We’d encourage you to take this opportunity seriously.

In this paper, we aim to provide a short brieng 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 workows.

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

研报加载中……请稍候！
如果长时间未打开，您也可以点击刷新试试。

下载研报到电脑，查找使用更方便

立即下载

摘要：

uncommonsenseTMOpportunitiesforERPandpayrollSaaSprovidersEmbeddedFinance02|OC&CEmbeddedFinanceEMBEDDEDFINANCEISAMATERIALOPPORTUNITYFORSAASERPANDPAYROLLPROVIDERS.OC&C’SRESEARCHSUGGESTSTHATANEBITDAUPLIFTOF20-30%COULDBEACCESSIBLEONA2-3YEARTIMESCALE,WITHAMUCHLARGEROPPORTUNITYAVAILABLEINTHELONGERTERM.Web...

展开>> 收起<<

【OC&C】Embedded Finance.pdf

共12页,预览4页

还剩页未读，继续阅读