>40%
对冲成本降幅
>90%
预测准确率
24/7
全天候服务
“依托Bettr的资金管理平台，Capital A在提升整体运营效率的同时，有效降低外汇成本，稳步提升利润，降低运营风险。我们能通过Bettr精准预测现金流，优化外汇风险管控。”
Aireen Omar
BigPay 集团
首席执行官
The financial landscape around retail is changing rapidly. Services that were once traditionally owned by banks – managing credit, enabling purchases and underwriting financial decisions – are now increasingly embedded in the places where people already shop online.
E-commerce platforms are increasingly taking a lead in these financial roles, shifting lending services from brick-and-mortar bank branches to the smartphones and laptops at their users’ fingertips. Owners of micro, small & medium enterprises (MSMEs) can now secure accounts receivable financing or a working capital loan right at checkout.
That’s embedded finance (EmFi) at work – it enables non-financial platforms to deliver financial services for MSMEs, which were formerly exclusively offered by financial institutions.
By meeting MSMEs where they already are, EmFi makes lending smoother and more inclusive. Shoppers get flexible options and faster access to the things they need, while platforms benefit from improved loyalty and reduced operational strain across the value chain.
For customers: how embedded lending makes buying easier
As customers go through the entire purchase experience on an e-commerce platform, embedded lending works quietly in the background. The platform can offer customers with an extensive selection of credit options without redirecting them outside the platform: these just appear naturally when they’re needed at checkout.
This meets growing expectations for seamless digital journeys. The flow feels similar to what ride-hailing and super apps pioneered: quick and unburdened from unnecessary frictions that might disrupt the moment of purchase.
It also opens doors for people who may have been excluded by traditional banking. By using verified sales and cash-flow data rather than strict paperwork or credit histories, platforms can extend responsible credit to MSMEs and consumers in emerging markets – giving high-potential merchants access to responsible financing once beyond their reach, and helping them participate confidently in the digital economy.
For e-commerce platforms: reshaping the balance of power in financial services
More than just giving platforms greater control over services, EmFi gives e-commerce platforms the capacity to evolve into full ecosystems, which lets them keep more of the value created across the transaction lifecycle.
Platforms can leverage EmFi to collect and analyse rich, real-time data on buyer and seller activity. They can then transform this data into insights that can serve as the basis for smarter and more relevant financial services for MSMEs.
This new leadership role delivers tangible commercial benefits.
Introducing financing options like buy-now-pay-later (BNPL) directly at checkout can lift average order value by up to 30% and reduce cart abandonment. EmFi also helps platforms create a composite value proposition that drives repeat purchases, increased engagement and higher spending on the platform – indicators of increased customer lifetime value (LTV).
Embedded lending also turns what used to be a cost centre into a revenue generator. Modern Application Programming Interfaces (APIs), Software Development Kits (SDKs) and cloud-based AI allow platforms to onboard financial services securely and efficiently, allowing platforms to diversify revenue streams without extra overhead.
With EmFi on board, interest income, platform fees, and shared transaction revenue can quickly add up – as seen with Shopify, whose financial services have become a larger revenue source than their core SaaS offering.
The partnership path to growth
Embedded lending has already reshaped how e-commerce platforms support their users — but unlocking its full potential requires the right expertise.
Many retailers still need to be educated that financial technology solutions for enterprises can become a strategic revenue driver, not just a cost of doing business. And the technical work behind integration isn’t a simple plug-in, it’s a journey that demands strong infrastructure and a deep understanding of compliance.
That’s why partnerships matter. When e-commerce brands work with experienced technology enablers, they can build ecosystems that put customer needs first while managing complexity behind the scenes.
Technology enablers not only solve the technical puzzle pieces, they can also meet compliance requirements with local regulatory frameworks.
Partners like Bettr – provider of embedded financing solutions under Ant International – can help onboard AI-powered financial services for MSMEs that strengthen the core e-commerce ecosystem without technical or budgetary difficulty.
Bettr’s EmFi solutions provide rapid, secure access to working capital by integrating alternative data-powered credit assessment and risk management directly into the e-commerce environment. This integration allows for funds to be quickly approved and disbursed.
Continuous AI monitoring helps detect fraud early and protect platform integrity as merchants grow. And because the solution is designed to meet local regulatory requirements, platforms can innovate without introducing new compliance burdens.
With the right partner, embedded lending becomes a seamless value-add: empowering sellers with capital, delivering convenience for customers and giving platforms a stronger foundation for long-term growth.
Find out how Bettr can help transform your e-commerce ecosystem with smarter, data-led financial technology solutions for enterprises
