What happens when embedded lending evolves from a nice-to-have experiment to a must-have competitive advantage?

In this episode, I speak with Jens Roehrborn, co-founder of Banxware, a German embedded lending provider. Over the past six years, Jens has witnessed platforms transform their financing approaches for SME customers. E-commerce sites, neobanks, and accounting software have all embraced embedded lending.

We dive deep into Banxware's strategic shift from direct lender to what Jens calls a "lending enabler." It's an orchestration layer that connects platforms with multiple funding sources, including traditional banks such as UniCredit's German subsidiary.

In this episode, we explore:

How this model serves over 2 million SMEs across more than 40 platform integrations

Why traditional banks are now eager to participate in embedded lending

The challenge of serving both high-risk small businesses and price-sensitive larger merchants

How Banxware reduced UniCredit's credit decision process to a maximum of three days

Jens' prediction that embedded finance will become as essential as online payments for platform competitiveness

Connect with Jens on LinkedIn: https://www.linkedin.com/in/jensroehrborn/

About Embedded Finance Review: Weekly newsletters, bi-weekly podcasts, and industry events exploring embedded finance in Europe. Visit www.embeddedfinancereview.com

This episode was produced by Orama.tv.(00:00) Start

(01:42) Introduction and Greetings

(02:10) Current State of Embedded Lending in Europe

(02:31) Industries Adopting Embedded Lending

(05:00) The Shift in Banks' Strategy

(05:39) Evolution of Embedded Finance

(06:01) Challenges and Solutions in Embedded Lending

(07:58) Partnership with UniCredit

(09:02) Orchestration Layer Explained

(19:26) Impact on SME Borrowers

(24:12) Platform and Bank Collaboration

(29:29) Future of Embedded Lending

(32:15) Conclusion and Contact Information