Author: Jeffrey Tower

In this episode of our ‘POS Finance Innovators’ series, we explore the rapidly growing B2B financing market and its potential to address the needs of this underserved customer base

I recently had the privilege of sitting down with John Tomich, one of the most forward-thinking leaders in the B2B financing space, to discuss its massive potential as it begins to close the gap with the more established world of B2C financing.  John is the CEO and co-founder of Credit Key and an experienced entrepreneur with a proven track record in e-commerce innovation and technology-driven financing and payment solutions.

Key takeaways from my conversation with John

The shift to digital in B2B commerce

John emphasizes the transformation occurring in B2B commerce, which is beginning to embrace digital solutions akin to B2C models. Historically, B2B transactions were cumbersome and analog, often involving lengthy processes. However, as businesses increasingly sell online, there is a growing demand for efficient financing solutions that facilitate real-time purchases. This shift presents a unique opportunity for innovation in the financing sector, allowing businesses to streamline their purchasing processes.

Addressing the capital gap for small businesses

John highlights the traditional lack of access to capital for small and medium-sized enterprises (SMEs). With approximately 25 million small businesses in the U.S. often underserved by traditional banks, there is a pressing need for tailored financing options. Credit Key aims to fill this gap by providing flexible financing solutions that cater to the unique needs of these businesses, thereby empowering them to thrive in a competitive market.

The future of B2B financing is bright

John shares his optimism about the future of B2B financing, predicting rapid growth driven by increased digital penetration and the emergence of new players. He likens the current stage of B2B financing to the early days of B2C e-commerce, suggesting that we are only in the “second inning” of this market’s development. As retailers increasingly recognize the value of digital financing solutions for their B2B customers, the market will rapidly grow, which is where the industry is now. 

We hope you enjoy this interview and gain valuable insights. Stay tuned for more conversations with POS finance innovators!

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About Jeffrey Tower
EVP Global Business Development and Strategy
Jeff has over 20 years of experience driving revenue through building global brand awareness, business development, marketing, and sales departments focused on consumer financing, fintech, and eCommerce.

We’re thrilled to unveil our new series, “POS Finance Innovators” in which we delve into the world of point-of-sale (POS) finance through discussions with the industry leaders shaping the future of this space.

In our premiere episode, I had the pleasure of sitting down with Rolando De Gracia, Chief Commercial Officer of Concora Credit, to kick off our series with an insightful and engaging conversation about the critical role of second-look financing and how it is evolving. With a wealth of experience in the consumer finance industry, Rolando shares how providers and merchants are adjusting their strategies in response to shifting consumer behaviors, economic challenges, and the strategic importance of near-prime solutions.

Watch the video and join the conversation by leaving a comment! Please feel welcome to connect with me on LinkedIn to continue discussing these fascinating insights.

Key takeaways from my conversation with Rolando:

• Second-look financing as a strategic solution
  Rolando highlights how second-look financing bridges the gap between prime lenders and costly lease-to-own products. He explains how revolving lines of credit provide non-prime customers with affordable alternatives to prime loans, enhancing customer satisfaction and driving repeat sales for merchants.
  
• Investing in customers for long-term loyalty
  Rolando shares why leading retailers, including HP, choose Concora Credit as their second-look provider. By consistently investing in advanced tools, technologies, and customer experiences—and fostering partnerships built on positive culture and retail expertise—Concora creates significant value for both merchants and consumers.
  
• “Retail is detail”: building meaningful customer relationships
  Rolando emphasizes that retail is about more than just transactions—it’s about creating meaningful engagements. Success depends on ensuring customers feel valued, whether by offering sufficient credit limits, delivering exceptional service, or providing seamless digital experiences. This focus on relationship-building drives loyalty and repeat business.

We hope you enjoy this interview and gain valuable insights. Stay tuned for more conversations with POS finance innovators!

Follow us on LinkedIn for more updates

Subscribe to us on YouTube

About Jeffrey Tower
EVP Global Business Development and Strategy
Jeff has over 20 years of experience driving revenue through building global brand awareness, business development, marketing, and sales departments focused on consumer financing, fintech, and eCommerce.

As consumer demand for financing at the point of sale continues to grow, leading merchants prioritize meeting this demand. To achieve this, they are moving away from a single lender model towards a platform-first approach to provide customers with access to multiple lending options through a seamless and flexible purchasing experience. 

Choosing the right point-of-sale (POS) financing platform is essential as it goes beyond simply processing transactions to play a pivotal role in shaping the customer journey. Offering multiple financing choices empowers customers with financial flexibility and enhances their purchasing power, especially for high-ticket items that might otherwise be out of reach. Consequently, your POS financing platform is a strategic tool to increase approval rates and generate higher sales, while fostering customer loyalty. 

6 crucial factors when choosing the best POS financing platform

1. Omnichannel experience
2. A broad network of lenders
3. Waterfall finance capabilities
4. Easy integration and management
5. Comprehensive analytics and data 
6. White-label capabilities

1. Omnichannel experience

Customers are accustomed to increasingly seamless and personalized shopping experiences. An omnichannel lending approach that covers in-store financing, eCommerce or any other point of sale financing allows customers to access financing solutions wherever they interact with your brand.  Your platform should be embedded at every point of sale be it in-store, online, via a call center, door-to-door, or any other checkout to provide a seamless omnichannel experience.

2. A broad network of lenders

The ideal embedded lending financing platform includes a broad network of lenders. This way your financing offer can cover the entire credit spectrum, and offer diverse financing products, serving B2B and B2C customers and different geographies. A lending network positions you to meet the financing needs of all of your customers, and support them as their needs change. 

The more comprehensive your lender network, the more you are safeguarded against changes made by single lenders. A lender adjusting their credit box, merchant discount rates, or even ceasing operations can leave you and your customers without an alternative. It also puts you in a stronger position to negotiate terms with lenders who are vying for your customer’s business.

3. Waterfall finance capabilities

Waterfall finance technology connects shoppers to multiple lenders according to tier, starting with prime lenders. If an applicant meets the criteria for prime lending, they are approved at that level. If not, the process moves them to near-prime lenders. Finally, if eligibility is still unmet, the applicant is referred to subprime lenders or lease-to-own financing options. Platforms like ChargeAfter streamline this process, leveraging a multi-lender network to enable merchants to deliver personalized financing choices for shoppers in a single application in real-time.

4. Easy integration and management

Integrating a POS platform into every point of sale should be fast and seamless with in-store, eCommerce, in-clinic, in-home, and call center capabilities. Look for a platform that enables quick integration into all major eCommerce platforms, API and SDK kits to personalize and build the online checkout experience, and flexible in-store options.

For example, in-store financing can involve scanning a QR code, using an in-store device at checkout, self-checkout, or sending a customer a link to their device. For e-commerce financing, a platform should be able to support pre-approval applications that can be combined with an in-store visit. By accommodating customers wherever they make their purchases, you make it easier for them to complete their transactions.

For merchants, an embedded lending platform should offer effective post-sales management, including dispute resolution, refunds, and reconciliations. Real-time updates on performance, volume, and order information are essential to optimize lending programs. Direct communication with lenders and tools to track, process, and resolve cases should be standard features of your chosen platform.

5. Comprehensive analytics and data

A superior embedded lending platform will provide actionable analytics and data. A complete view of lending data makes optimizing financing offerings and adapting to shifting market trends possible. With this data at your fingertips, you can plan marketing and retargeting campaigns that build strong customer relationships, enhancing their lifetime and average order value. 

Analytics from your platform should also help you to understand and optimize your customers’ journey, showing you where and when customers drop out and where and when they convert, so that you can easily optimize your lending program within your customers’ journeys and improve your eCommerce website performance. 

6. White label capabilities

A white-label POS system allows you to customize the platform to match your brand identity, increasing customer recognition and loyalty, ensuring a seamless and integrated brand experience across all customer touchpoints.

POS financing: A snapshot of 2023

POS financing trends in 2023 confirm that embedded lending at the point of sale is here to stay. The 2023 holiday season, the busiest time of year for purchasing, saw a 14% increase in payments using BNPL (Buy Now, Pay Later) compared to the previous year, according to Adobe Analytics data. This trend is backed up by research conducted by Citi Retail Services that showed that 90% of customers want merchants to offer a choice of payment options at the point of sale. 

This shift in consumer behavior underscores why the right POS financing platform is crucial for merchants aiming to thrive in today’s competitive landscape.

A snapshot of 2024

A recent ChargeAfter survey found that in 2024 almost half (45%) of retailers reported approval rates below 60%. This is a significant increase from 2023, when only 29% of retailers reported under 60% approvals.
The average approval rate for POS financing applications has dropped from 65% in 2023 to 58% in 2024, leaving over 40% of customers declined at their moment of need, representing a significant potential loss in sales
Whereas last year 12% of merchants achieved at least 80% approvals, this has declined to a mere 2%.
The decline in approval rates is indicative of lenders’ increasing risk aversion amid economic uncertainty. This trend highlights the need for merchants to diversify their POS financing.

Conclusion

Choosing a POS financing platform can be complex, given the broad range of features to consider and the multitude of providers in the market. However, by keeping these five critical factors in mind—omnichannel experience, vast lender network, easy integration and management, comprehensive financing analytics, and white-label capabilities—you’re well on your way to selecting a platform that meets your business needs and enhances your customers’ shopping experience.

About Jeffrey Tower
EVP Global Business Development and Strategy
Jeff has over 20 years of experience driving revenue through building global brand awareness, business development, marketing, and sales departments focused on consumer financing, fintech, and eCommerce.

In recent years, embedded finance has emerged as a transformative force within the financial services landscape. With consumers expecting seamless, integrated financial products directly within their purchasing experiences, banks and financial institutions (FIs) are increasingly recognizing the need to adopt scalable, customer-centric lending solutions. In my previous article, I introduced ChargeAfter’s Lending Hub as a key enabler of embedded finance. In this follow-up, I will provide a more technical deep dive, focusing on how the platform’s breadth of product offerings, streamlined merchant onboarding, and robust infrastructure are reshaping the way banks and FIs deliver lending solutions.

This article is designed to provide leaders in technology, product, and business with a comprehensive understanding of how ChargeAfter’s Lending Hub serves as a technology enablement layer, empowering banks to build closer relationships with both merchants and customers while remaining largely behind the scenes.

A technology enablement layer that brings banks closer to customers

At its core, ChargeAfter’s Lending Hub functions as a technology enablement layer. Rather than acting as an intermediary between banks and their customers, ChargeAfter empowers banks by providing the infrastructure and tools necessary to offer lending solutions directly at the point of need. This technology layer is virtually unnoticeable to the end consumer—a fully white-labeled solution that allows banks to retain ownership of the customer relationship, branding, and product configuration.

By remaining in the background, ChargeAfter enhances the bank’s ability to engage with merchants and customers more intimately. Banks can present themselves as the sole provider of financial solutions, while ChargeAfter’s platform handles the complexities of the lending process. This discreet enablement positions the bank as the hero in the eyes of the consumer, fostering stronger trust and deeper relationships.

A flexible, scalable infrastructure for embedded finance

ChargeAfter’s Lending Hub is built on a flexible, cloud-based microservices architecture designed to scale effortlessly as banks expand their lending offerings. The platform leverages Google Cloud Platform (GCP) for scalability, data security, and disaster recovery. With Kubernetes (Google K8S Engine) automating deployment processes, banks can ensure high availability and rapid recovery, even as their lending operations grow.

This scalability is crucial for banks aiming to deploy lending products across multiple channels, including eCommerce, in-store, and mobile applications. The platform’s infrastructure allows banks to offer a full range of lending solutions, including Buy Now, Pay Later (BNPL), revolving credit, private label credit cards, and installment loans from a single platform. Banks can easily integrate ChargeAfter’s APIs and SDKs into their existing systems, ensuring fast go-to-market (GTM) timelines for new financial products and their merchants.

MongoDB Atlas serves as one of the platform’s document databases, providing real-time monitoring, automated scaling, and advanced auditing capabilities. This allows banks to manage massive amounts of transactional data securely while ensuring compliance with global standards like PCI DSS, ISO 27001, ISO 27018, SOC and GDPR. ChargeAfter’s infrastructure supports seamless scaling, so banks can grow their lending programs with confidence, knowing that their data and operational integrity are protected.

A comprehensive suite of lending products

ChargeAfter’s Lending Hub offers a wide array of lending products, designed to meet the diverse needs of consumers and businesses alike. The flexibility of the platform allows banks to offer customized financial solutions, fully tailored to the unique requirements of each customer or merchant.

• Buy Now, Pay Later (BNPL): BNPL continues to be a key driver of consumer spending, allowing shoppers to split their purchases into manageable installments. With ChargeAfter’s BNPL solution, banks can offer flexible payment terms, either through debit/credit cards or card-free loans.
• Long and Short-Term Installments: ChargeAfter’s platform allows banks to provide new lines of credit within seconds, offering short or long-term installment options. Loan terms and eligibility are fully customizable, giving banks control over interest rates, payment periods, and underwriting criteria.
• Revolving Credit: ChargeAfter’s Lending Hub supports instant revolving credit with built-in installment features, enabling banks to acquire long-term relationships with consumers by offering flexible and adjustable credit lines.
• B2B Financing: ChargeAfter’s platform also extends to B2B financing, allowing banks to offer tailored loans and credit lines to business customers. This flexibility opens new revenue streams for banks and expands the scope of embedded finance beyond traditional consumer lending.

All of these products are fully white-labeled, ensuring that banks retain complete ownership of the customer relationship. ChargeAfter acts as the enabler, providing the underlying technology, while the bank appears as the sole provider of financial services.

Streamlined Mmerchant onboarding and integration

A key factor in the success of embedded finance is the ability to onboard and integrate merchants quickly and efficiently. ChargeAfter’s Lending Hub excels in this area by offering a wide range of Plug and Play eCommerce extensions for leading platforms, along with comprehensive API and SDK integrations. This flexibility enables merchants to integrate the Lending Hub into their existing eCommerce, POS, or ERP systems with minimal friction.

The merchant onboarding process is designed to be fast and seamless:

• Merchant KYC/KYB Compliance: Built-in compliance with Know Your Customer (KYC) and Know Your Business (KYB) standards ensures that banks and merchants can quickly authenticate their identities and maintain regulatory adherence.
• Sandbox Testing: Merchants can test the full functionality of the Lending Hub within a sandbox environment before going live, ensuring a smooth operational rollout.
• Omnichannel Integration: ChargeAfter supports omnichannel experiences, allowing merchants to offer financing options across multiple touchpoints, including in-store, online, and mobile. This seamless integration ensures that consumers can access financing options wherever they shop.

Once integrated, merchants gain access to a robust suite of tools, including real-time transaction tracking, post-sale chargeback management, and detailed analytics. These tools empower merchants to manage their lending programs effectively, providing a consistent and optimized financing experience to their customers.

Advanced data analytics and business intelligence

One of the standout features of ChargeAfter’s platform is its ability to offer advanced data analytics, providing banks and merchants with valuable insights into customer behavior, loan performance, and operational efficiency. By leveraging Power BI-based embedded analytics, banks can track key performance indicators (KPIs) across the entire lending lifecycle, from loan application to post-sale servicing.

Key analytical features include:

• Real-Time Dashboards: Banks and merchants can monitor system health, transaction data, and customer interactions in real-time, enabling them to make informed decisions quickly.
• Deep Consumer Insights: The platform tracks user behavior throughout the sales process, providing insights into how customers interact with lending products, which offers are most popular, and how well promotional campaigns are performing.
• Operational Efficiency Metrics: ChargeAfter provides detailed reports on the efficiency of lending programs, including approval rates, activation rates, and conversion rates. These insights allow banks to optimize their lending strategies, adjust underwriting rules, and enhance overall program performance.

The platform’s advanced analytics capabilities extend to both banks and merchants, offering full transparency across the lending ecosystem. By analyzing data at every stage of the lending process, banks can continuously refine their strategies, optimize their product offerings, and ultimately provide a better customer experience.

ChargeAfter: Empowering banks while remaining behind the scenes

Perhaps the most significant advantage of ChargeAfter’s Lending Hub is its ability to empower banks without overshadowing their role in the customer journey. As a technology enablement layer, ChargeAfter provides all the tools, infrastructure, and support banks need to deploy embedded lending solutions while staying out of the spotlight.

Banks maintain complete control over their branding, product offerings, and customer relationships. ChargeAfter’s white-label solution ensures that consumers perceive the bank as the sole provider of their financial services, building trust and loyalty. This approach allows banks to enhance their customer-centric strategies while leveraging ChargeAfter’s cutting-edge technology to manage the complexities of lending.

Conclusion

Embedded finance is no longer a trend—it’s the future of lending. ChargeAfter’s Lending Hub provides a robust, scalable solution for banks looking to offer customer-centric lending products directly at the point of need. With its flexible infrastructure, wide array of lending products, seamless merchant onboarding, and advanced analytics capabilities, ChargeAfter enables banks to enhance their customer relationships, optimize operations, and drive sustainable growth.

By acting as a technology enablement layer, ChargeAfter empowers banks to focus on what they do best—building deeper, more meaningful relationships with their customers—while handling the behind-the-scenes complexity of the embedded finance ecosystem. The future of lending is here, and with ChargeAfter’s Lending Hub, banks are poised to lead the way.

About Jeffrey Tower
EVP Global Business Development and Strategy
Jeff has over 20 years of experience driving revenue through building global brand awareness, business development, marketing, and sales departments focused on consumer financing, fintech, and eCommerce.

In today’s fast-paced digital landscape, the financial services industry is facing a pivotal moment. The rise of embedded finance is transforming how consumers interact with lending products, offering convenience, flexibility, and a more personalized financial experience. For banks and financial institutions (FIs) looking to capitalize on this trend, the key lies in adopting scalable, secure, and flexible solutions that can be integrated seamlessly into their existing infrastructure. ChargeAfter’s Lending Hub represents a significant leap forward in this domain, empowering banks to provide customized, embedded finance solutions at various points of sale.

As leaders in technology, product development, and business strategy, it’s essential to understand how ChargeAfter’s Lending Hub is not only a powerful tool for banks but also a transformative technology for the future of lending. This article explores how the platform addresses the challenges of modern financial services and how it empowers institutions to stay competitive.

The rise of embedded finance in banking

The traditional boundaries of banking are dissolving. Consumers no longer see lending as a separate, siloed function but as an integrated part of their purchasing journey. Whether shopping online, in-store, or on mobile apps, consumers expect financial services to be readily available at their fingertips. Embedded finance allows this by integrating lending products directly into the purchase experience, providing an instant, frictionless way for customers to access credit when they need it most.

For banks, this shift presents both an opportunity and a challenge. On one hand, embedded finance opens new revenue streams and deepens customer relationships. On the other, it requires the right technological infrastructure to deploy these products in a scalable and compliant manner.

This is where ChargeAfter’s Lending Hub comes into play.

What is ChargeAfter’s lending hub?

ChargeAfter’s Lending Hub is a cloud-based, white-label platform that enables banks to offer a full suite of lending products—including revolving credit, installment loans, Buy Now, Pay Later (BNPL), and personal loans—directly at the point of sale. The platform is designed with flexibility and scalability in mind, providing banks with the tools to create, distribute, and manage customized financial products through various channels such as eCommerce, in-store, and mobile applications.

Unlike traditional lending systems that require significant infrastructure investments, ChargeAfter’s platform operates as a plug-and-play solution, allowing banks to get up and running with embedded lending products quickly and efficiently. The system’s microservices architecture ensures that it can scale to meet the needs of even the largest institutions while maintaining a high degree of flexibility.

Key features that set the lending hub apart

• White-Label Solution: ChargeAfter’s Lending Hub offers a fully white-labeled experience, enabling banks to maintain complete control over their branding and merchant relationships. This allows banks to present themselves as the primary financial partner while leveraging ChargeAfter’s robust technology stack behind the scenes.
• Lender Matching Engine: The patented lender matching engine is a critical feature that sets ChargeAfter apart. This engine helps banks match consumers with the most appropriate lending products based on their credit profiles, increasing approval rates and ensuring consumers have access to the best possible terms. For banks, this means higher conversion rates and the ability to serve a broader range of customers.
• Omnichannel Capabilities: One of the biggest challenges banks face today is creating a seamless experience across multiple touchpoints. ChargeAfter’s Lending Hub integrates with eCommerce platforms, POS systems, self-checkout kiosks, and mobile applications, ensuring that customers can access credit anytime, anywhere. Whether a consumer is shopping online, in-store, or through a mobile app, they are presented with tailored financing options at the point of need.
• Pre-Built Integrations: ChargeAfter’s platform comes with pre-built APIs, SDKs, and branded extensions that make it easy for banks to integrate lending products into their existing infrastructure. This plug-and-play capability significantly reduces time-to-market, enabling banks to deploy embedded finance solutions faster than ever before.
• Advanced Analytics: The platform offers a robust suite of analytics tools that allow banks to track performance across their lending programs. From real-time KPIs to deep insights into consumer behavior, ChargeAfter’s analytics capabilities help banks optimize their lending strategies and improve operational efficiency.
• Compliance and Security: As regulations around data privacy and financial services tighten globally, compliance is more critical than ever. ChargeAfter’s Lending Hub is fully compliant with PCI DSS, ISO 27001, and GDPR standards, providing banks with peace of mind that their data and their customers’ data are handled with the utmost security.

Why banks should embrace embedded finance

For banks and lending FIs, embracing embedded finance is no longer a question of “if” but “when.” By integrating lending products directly into the consumer purchase journey, banks can drive higher engagement, boost loan origination, and create more meaningful relationships with their customers.

Furthermore, embedded finance opens up new opportunities for growth. With the right technology in place, banks can expand their reach beyond traditional banking environments, partnering with merchants across various industries to provide tailored lending solutions.

ChargeAfter’s Lending Hub offers the ideal platform for banks looking to stay ahead of the curve. Its combination of scalability, flexibility, and speed-to-market makes it a powerful enabler of embedded finance strategies, allowing banks to not only meet the needs of today’s consumers but also to anticipate the demands of tomorrow’s market.

Conclusion

As embedded finance continues to reshape the financial services landscape, ChargeAfter’s Lending Hub provides a best-in-class solution for banks and financial institutions looking to offer innovative lending products at the point of sale. By leveraging this powerful platform, banks can enhance their customer experience, improve operational efficiency, and drive sustainable growth.

The future of lending is embedded. And with ChargeAfter’s Lending Hub, that future is within reach.

About Jeffrey Tower
EVP Global Business Development and Strategy
Jeff has over 20 years of experience driving revenue through building global brand awareness, business development, marketing, and sales departments focused on consumer financing, fintech, and eCommerce.

As consumer behavior rapidly shifts toward more flexible and varied POS financing options, banks recognize that they need to expand beyond their traditional lending models and diversify their lending products and offers. Partnering with a fintech technology provider like ChargeAfter’s Lending Hub is pivotal for banks to succeed.

The Lending Hub offers a comprehensive all-inclusive embedded lending platform for banks to create, manage, and distribute a wide range of POS financing products – from consumer finance with revolving lines of credit, short and long-term installments, BNPL, and personal lending. By adopting such diversified offerings, banks can cater to the nuanced and evolving needs of modern consumers, enhancing customer satisfaction and loyalty.

Challenges addressed by ChargeAfters’ Lending Hub

One of the significant challenges faced by banks is the complexity of merchant onboarding and integration. ChargeAfter’s Lending Hub simplifies this process through its robust enablement tools and streamlined merchant onboarding protocols, reducing operational costs and time and increasing merchant satisfaction. This approach not only accelerates market entry but also establishes a stronger network of merchant partnerships, essential in today’s competitive environment.

The Lending Hub also addresses crucial aspects like the protection of Personally Identifiable Information (PII). In an era where data security is paramount, ChargeAfter ensures compliance with the highest standards of data protection, giving both banks and their customers peace of mind.

As shopping behaviors evolve, banks need to adapt to the natural evolution of shopper needs. ChargeAfter’s Lending Hub enables banks to stay ahead of the curve, offering tailored POS financing solutions that resonate with contemporary consumer demands. This adaptability ensures that banks remain relevant and competitive.

The technological backbone of ChargeAfter’s Lending Hub aligns perfectly with the banking core architecture. By leveraging cloud-based hosting and microservices, the platform ensures scalability, security, and operational efficiency. This infrastructure supports an agile development process, allowing for rapid deployment and continuous improvement of financial products. This agility is vital in a financial world that demands quick adaptation to market changes and consumer trends.

Partnering with ChargeAfter’s Lending Hub is not just about offering a range of financial products; it’s about embracing a holistic, future-forward approach to banking. It’s about meeting the needs of today’s consumers with innovative solutions and cutting-edge technology. As banks look towards a new era of digital finance, ChargeAfter stands as a valuable ally in navigating this journey together.

Jeffrey Tower
EVP Global Business Development
Jeff has over 20 years of experience driving revenue through building global brand awareness, business development, marketing, and sales departments focused on consumer financing, fintech, and eCommerce.