Most business owners still think of banks when they need financing. That is quickly changing.

In this episode of the WRAP UP Podcast, I sit down with Jakob Pethick, Chief Commercial Officer at YouLend, to explore why lending is moving directly into the software businesses already use every day.

We discuss how platforms such as Amazon, Shopify, eBay, Stripe, Worldpay and many others are embedding financial products into their ecosystems, allowing merchants to access funding without ever speaking to a bank.

We also dive into:

Why embedded lending is growing so quickly

How YouLend powers lending behind major platforms

Why banks are losing distribution to software companies

The role of AI and machine learning in credit underwriting

How open banking is transforming risk assessment

Why platforms—not ...