Banxware

What an inspiring evening at Qontos PowerUp Event! ✨ What a night! Our Banxware team joined hundreds of founders, investors, and innovators to talk about AI and the future of business. The highlight for us? Connecting with so many forward-thinking companies and individuals during the networking sessions. Conversations with ambitious founders and leaders like Deborah Choi reminded us how collaboration drives real progress. We were also proud to see our Credit Risk Lead Anushaant (Anush) Wijayakulasingam hosting an “Ask Me Anything” session at our stand, creating space for open dialogue around financing and growth💡 A big thank you to our partner Qonto, Iana Chernova and Eileen Reichert for creating such a valuable event. We're already excited for the next one! 🙌🏻

We just hit 7K followers on LinkedIn! 🙌🏻 So we asked AI why so many of you follow us... Here’s what it came up with: ➜ 31% want to stay ahead on embedded finance trends (smart move) ➜ 19% enjoy watching us challenge the status quo of lending ➜ 18% are scouting partnership opportunities (DMs are open) ➜ 12% are fintech tourists, here for the buzzwords ➜ 11% followed just to tell their boss they’re following "fintech innovation” ➜ 9% clicked follow by accident… but stayed (we’ll take it) What do you think, did AI get it right? 🤔 Either way, we’re glad you’re part of the journey!

From product-centric to customer-centric finance. 👉 A shift that is reshaping our industry. At BEX - Banking Exchange, our founder Miriam Wohlfarth joined a panel with Prof. Dr. Silke Finken, Christian Steiger and Florian Liar to discuss what this transformation means for the financing ecosystem. In a product-centric world, financial institutions design products in isolation. The customer’s role? To adapt. ➜ In a customer-centric world, financing adapts to the SME’s needs. What this looks like in practice: ✅ Embedding financing into customer journeys ✅ Delivering faster decisions powered by real-time data ✅ Expanding access so more SMEs can benefit ✅ Building collaboration through APIs and partnerships The panel’s key takeaway: Financing proves its strength not in visibility, but in the outcomes it enables.

💸 Liquidity is often reduced to a "safety net". And the truth is: it is far more than that. Many SMEs and even platforms have treated liquidity like a rainy-day fund. Something you only touch when things go wrong. But that view is outdated. The data tells a different story: ➜ The top 20% of companies leverage their liquidity to pay invoices 28% faster. By doing so, they cut financing costs by 25% and save $11M each year on average, capital they reinvest straight into growth. And the mindset is changing fast: ✅ +13% YoY increase in the use of external working capital solutions ✅ +16% YoY increase in businesses claiming to use working capital strategically, not just in emergencies For platforms, this is a massive opportunity. By embedding lending into your ecosystem, you enable business customers to access liquidity instantly... and seize opportunities the moment they appear. 📖 Read more in Miriam Wohlfarths article on Payment & Banking (link in comments).  

Bank & Fintech: a powerful duo, but only if done right. 👉 So what does “done right” really look like? In our latest podcast episode, Miriam Wohlfarth sat down with Frauke Falck from our close partner HypoVereinsbank - UniCredit - Deutschland to discuss what makes a bank-fintech partnership successful. The conversation kept circling back to one word: trust. 💬 Frauke: “There’s now so much trust across all levels that people dare to throw ideas around, experiment and think about what could be next.” 💬 Miriam: “That's exactly what makes it fun. Even bold ideas get space... and some of them turn into real products.” This culture of trust is what allows us to go beyond daily business to innovate faster and design financing solutions SMEs genuinely need. One prime example? The HVB FlexFinanzierung, our flexible credit line up to €5M, blending fintech speed and UX with the stability of a strong bank ➜ seamlessly integrated into leading platforms. Curious how our partnership with HypoVereinsbank - UniCredit - Deutschland went from first talks to a joint product launch? 👉 Then don’t miss this episode (link in the comments).

📈 Embedded Finance is on the rise... but why? Here’s everything you need to know 👇 Over just a few years, Embedded Finance went from buzzword to boardroom priority. Google searches are exploding, whitepapers and blog posts are everywhere (and yes, we’ve added a few ourselves 😉). But what’s driving this rapid rise? 4 major shifts: 1️⃣ Customer expectations We live on our phones. People want finance to be seamless, mobile & always-on, just like the apps they already use. 2️⃣ Regulation Laws like PSD2 in Europe made it possible for customers to connect their bank accounts with other apps. The next wave of rules will make this even safer and open the door for more innovation. 3️⃣ New competitors Fintechs, neobanks & BigTech reshaped the market. Think of Amazon 1-Click or Apple Pay... they showed that finance can feel simple. 4️⃣ Technology Standardized connections, smart automation and usage-based billing powered by APIs and AI. Finance works instantly, like plug & play. We're convinced: Embedded Finance is here to stay and it will soon be the default. And we at Banxware are proud to play a role in this transformation. The winners will be those who bring finance into the flow of business. 👉 Everyone else? They’ll get left behind.

Our mission keeps growing, and so does our team. 🎉 Please welcome our newest #TeamBXW members These incredible talents just joined us to drive our mission forward: Zhirou (Kimberly) Zheng (Growth Product Manager) Mohamad Bezreh (Senior Data Scientist) Robert Jegorow (Senior Marketing Manager) Elena Pavan (Partnerships & BD Manager) Jermain Sprenger (Customer Operations Manager) Benjamin Marent (Partnerships & BD Manager) Ahmed Mohamed (Senior Frontend Engineer) Ali Ijlal Osmany (CRM & Automation Expert) Benjamin Schwenk (Customer Operations Manager) 👉 Interested in joining us? Check out our open roles (link in the comments)!

The less banking you see, the more powerful it becomes. 🧵 Our founder Miriam Wohlfarth explains why in her guest article for Handelsblatt! Gone are the days when businesses searched for a bank. Today, they expect financing to be embedded where it matters most: inside the software they already use. And the data backs it up: 📊 McKinsey found that 71% of SMEs expect financial services to be seamlessly integrated into their everyday tools. But expectations go beyond integration: ✅ Customers want speed and personalization ✅ Platforms need plug-and-play finance ✅ Banks must shift from visible providers → invisible growth partners AI is accelerating this shift by automating decisions and powering smarter risk models. At the same time, a new generation of users expects banking without ever setting foot in a branch. To meet these expectations and fully leverage new technologies, we believe that the future of SME financing must be collaborative... with banks, fintechs & platforms working together. 📷 Miriam is sharing this perspective live today at #Bankengipfel.

Banxware is getting ready for its next big step! 📣 And we’ll talk about it later this month at #Sibos2025! From 29 Sept to 2 Oct, you’ll find us together with TechQuartier at our very own booth at Sibos, with Miriam Wohlfarth, Jens Roehrborn, Mandya Aziz, Mitja Sadar, Ulrike Grandi-Haferstroh and Elena Pavan on-site. 👉 But this year is different: you’ll have the chance to hear first-hand about Banxware’s next chapter. One we believe will be a true game-changer for the ecosystem and a big step toward our vision of making SME lending more accessible, efficient, and beneficial for everyone. 📍Stop by, meet the team, and hear what comes next. Not at Sibos? No problem. We’ll also share the news right here on LinkedIn! The countdown is on... See you in Frankfurt! 👋

We're very proud to announce a key hire: Mitja Sadar joins us as our new VP Risk & Finance! 👋 With 15+ years of experience in lending, corporate finance, debt and equity fundraising, along with international expansions, Mitja brings the perfect mix of analytical depth and entrepreneurial mindset to help us scale. 📈 With Mitja Sadar on board, we’re ready to take it even further: continuing to push the boundaries of what modern, data-driven risk evaluation can achieve, expanding the quantum of investable products for institutional investors in the process. His mission:   ✅ Broaden eligibility and acceptance to give more SMEs access to capital   ✅ Refine risk models and pricing to ensure higher accuracy   ✅ Tailor financing products to match real business needs 💬 “Giving SMEs fast access to capital can truly make a difference. It fuels transformation and creates growth. At the same time as it expands the market of financial products and eligible borrowers, it also creates new, less correlated products for investors to invest in. A win-win-win. That’s the kind of impact I want to drive.” - Mitja Sadar We’re excited to have you with us, Mitja!