Launch of the Owen Breakfast - Fintechs and SMEs exchange views

january 2025

How does embedded finance support the growth of French SMEs?

🧠 The idea behind Breakfast Owen?

• Taking a step back for breakfast
• Promote informal exchanges on topics related to the embedded finance market
• Encourage knowledge-sharing between the Fintech ecosystem and expert professionals, and discuss the challenges of tomorrow.

The aim of this 1st edition was to gain a better understanding of the needs and day-to-day difficulties faced by small businesses. Three key findings emerged from the discussions:

🏦 Complex access to financial services

Between long lead times, opaque conditions and cumbersome processes, it's hard for managers of small businesses to access financing solutions that are truly adapted to their needs.

👉 Fintechs have a key role to play: short-term credit, digitalized factoring, BNPL (Buy Now Pay Later) solutions designed for pros... all concrete levers to smooth access to business financing.

🌐 An insufficient level of digitization

Many SMEs lack simple, accessible tools to manage their business smoothly.

👉 The opportunity? Design products designed specifically for certain business verticals, with clear, fast and intuitive paths.

🏋🏻‍♂️ Red tape and delays

Time-consuming tasks weigh heavily on the daily lives of managers, hampering their development and agility.

👉 Embedded solutions offer real added value here, by integrating directly into the tools already used by companies (Pennylane, Spendesk, Stripe, Hero...).

🚀 What's in it for us?

SMEs are looking for simple, accessible and integrated solutions.

Fintechs can meet these expectations, by adapting their offerings to very specific business contexts. At Owen, we've made this our mission:

👉 Whatever the specific nature of your business, we can provide you and your customers with coverage tailored to your specific needs.

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