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Yahoo
6 minutes ago
- Yahoo
The silent revolution: Why embedded finance is the next frontier of B2B operations
Embedded finance has firmly gone from a generic buzzword to a reality. And while it's gained plenty of attention from a consumer application perspective – from buy now, pay later, to branded debit cards – the real transformation is happening quietly in the B2B world, particularly amongst SaaS (software-as-a-Service) companies. Despite being slower to evolve, B2B embedded finance is now gaining significant momentum. Where consumer-facing applications have largely focused on improving conversion and convenience at the checkout, B2B embedded finance is tackling deeper infrastructure challenges, transforming B2B commerce, driving growth, loyalty, and innovation. In today's competitive market, embedded finance is no longer a passing trend; it's a fundamental game changer, with research indicating that 74% of B2B SaaS product managers had embedded finance on their roadmap for this year. This not only reflects how B2B businesses are recognising the vast commercial opportunity, but also the underlying shift in how organisations are delivering financial services. For B2B companies, embedding financial functionality is about far more than streamlining operations. It can unlock entirely new revenue streams, foster stronger customer relationships, and reduce friction across the value chain. Whether it's enabling quicker customer onboarding, providing real-time FX settlement, embedding lending options, or simplifying global payouts – platforms that integrate these capabilities create a differentiated customer experience and gain a tangible competitive edge. Meeting rising expectations Crucially, embedded finance aligns with the changing expectations among business users. In an increasingly digital-first world, CFOs, finance directors, and operations teams are demanding user experiences that mirror what is being seen in the consumer space – seamless, fast, and embedded directly into their workflows. They want tools that help them make better decisions in real time, automate routine processes and eliminate manual bottlenecks. The shift is generational as well as technological. As digitally native leaders rise through the ranks, they're bringing new expectations to the table. These leaders have no time for clunky interfaces or bank-led processes and are focused on integrated, real-time solutions that enable their teams to focus on value creation rather than administration. Addressing the challenges Yet B2B payments still grapple with inefficiencies. Many businesses are forced to rely on outdated, siloed systems – some still using manual processes or even paper-based workflows. This results in slow transaction speeds, limited visibility, operational risk and unnecessary costs. Unlike the consumer space, where integration is relatively straightforward, B2B finance requires far more orchestration and infrastructure. The complexity of corporate structures, regulatory compliance, multi-currency operations, and risk management creates significant integration hurdles. At the same time, the macroeconomic environment is adding pressure. Businesses face rising costs, shrinking margins, and ongoing volatility in global markets. CFOs are being asked to do more with less – driving growth while cutting costs and managing risk. This complexity, coupled with the macroeconomic environment has, until now, deterred many businesses from modernising their financial infrastructure. For many, the desire to modernise is there, but the execution requires the right partner and the right technology. Paving the way forward This is where a new wave of fintech infrastructure providers steps in – offering modular, API-first solutions that abstract away the complexity of embedding financial services. We are moving towards what we call 'invisible infrastructure' — smart, embedded financial tools that work quietly in the background, enabling seamless user experiences without adding friction. Embedded finance represents a powerful strategy for businesses in competitive, commoditised markets. By leveraging tailored financial packages, linking commercial products with financial services, and reducing reliance on traditional banking, companies can unlock and drive growth, enhance loyalty, and lower churn. Ultimately, success in this space will favour those thinking like enablers. They'll partner with providers offering embedded finance as a service, allowing them to focus on their core strength: delivering value to their customers. It's time to pay attention The rise of embedded B2B finance is not about short-term gains or trends. It's about long-term transformation – embedding scalable, resilient financial capabilities into the core of business platforms. As adoption accelerates, we'll see embedded finance become the new default for B2B platforms looking to differentiate and grow. In a world where customer expectations continue to rise and margins continue to tighten, embedded finance represents more than just a technical innovation. It's a shift in how financial services are built, delivered, and consumed. Peter Daunton is Chief Product Officer, Sokin "The silent revolution: Why embedded finance is the next frontier of B2B operations" was originally created and published by Retail Banker International, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
6 minutes ago
- Yahoo
Aluminum can maker Ball Corp lifts annual profit forecast buoyed by strong global demand
(Reuters) -Ball Corp raised its annual profit forecast on Tuesday, after beating second-quarter results, fueled by resilient demand for its aluminum cans in key markets of North America and Europe, sending its shares up 2% in premarket trading. Ball witnessed a 4.1% rise in global aluminum packaging shipments during the quarter, up from a 2.6% rise in the prior three months. This was driven by demand from packaged food firms, as consumers opted for canned foods and beverages amid sticky inflation, prompting them to cook more at home. The company, serving clients like PepsiCo, Coca-Cola and Constellation Brands, increased beverage packaging sales in North and Central America to $1.61 billion, from $1.47 billion last year. The manufacturer of aluminum cups, bottles and aerosol cans now expects comparable 2025 earnings to grow between 12% and 15%, up from a prior range of 11% to 14% growth. However, tariffs on steel and aluminum have pushed up input costs for companies such as Ball. "We continue to view the direct impact from announced tariffs as manageable and are actively working with our customers to mitigate the effects of volatility in aluminum premium prices," the company said on Tuesday. Ball CEO Daniel Fisher said the company was tightly managing its costs as it expects potential geopolitical uncertainties and market volatility in the second half of the year. Excluding items, it earned a profit of 90 cents per share in the quarter, beating expectations of 87 cents per share, according to data compiled by LSEG. Its revenue jumped 7.8% to $3.34 billion, above estimates of $3.12 billion.
Yahoo
6 minutes ago
- Yahoo
New US-EU trade deal on tariffs ends pharma's geopolitical immunity
For the first time in decades, the pharmaceutical industry has been directly affected by a geopolitical trade negotiation between the US and the EU. On 27 July, the US government announced a 15% tariff on branded pharmaceutical products imported from the EU. Despite the decrease from the original 30% tariff on pharmaceuticals earlier in the year, this disrupts a long-established practice of the exemption of medicines from tariffs due to their importance in public health. The 15% tariff is not expected to happen immediately as implementation will be dependent on a National Security investigation regarding pharmaceutical imports. This trade deal puts the pharmaceutical industry at risk of losing between $13bn and $19bn, with consequences that extend beyond short-term financials. It will force pharmaceutical companies to make a tradeoff between tightening their profit margins and increasing drug prices, with both paths posing a risk to patient access and payer relations. The imposition of tariffs threatens to elevate costs across the pharmaceutical value chain, and could lead to a substantial increase in drug development costs, manufacturing, and distribution, with global supply chains for active pharmaceutical ingredients (APIs), raw materials, and equipment directly exposed. This disruption could create uncertainty in launch planning, particularly for late-stage assets with EU-based manufacturing and production planned for US entry. Companies manufacturing pharmaceutical products in Europe will need to anticipate financial exposure when planning launches in the US due to the unfavourable gross-to-net dynamics, weakened pricing leverage with US payers, and slower commercial uptake as insurers reassess cost-effectiveness due to the tariffs. Research and development budgets are already under pressure, and may be further strained as pharmaceutical companies may have to divert budget to firefight the impact of the tariffs. This could hinder innovation and pipeline investment, reducing the much-needed pace of therapeutic innovation across the industry. Earlier in the year, the US administration did signal tariffs for pharmaceutical imports could become a real possibility; this was met with proactive US investment from leading pharmaceutical companies to onshore manufacturing in the US to reduce exposure. Most recently, in July 2025, Biogen announced a $2bn investment into North Carolina, strengthening its US manufacturing position. Other pharmaceutical companies such as Johnson & Johnson, AstraZeneca, and Eli Lilly have also increased their investment in US manufacturing, with investments of $55bn, $50bn, and $27bn, respectively. Ultimately, the recent US-EU trade deal has increased the level of uncertainty within the pharmaceutical industry, raising concerns about the potential of tariffs increasing past 15% in the future. A once-shielded sector is facing a geopolitical shift, leaving the pharmaceutical industry vulnerable to global volatility. "New US-EU trade deal on tariffs ends pharma's geopolitical immunity" was originally created and published by Clinical Trials Arena, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
