Vaya Technologies

Check out the latest podcast on Embedded Finance Review, where our CEO and Co-Founder Ankit Singh, chats all things #embeddedlending trends with Lars Markull! The podcast covers the evolution of embedded lending, why we’re passionate about it and decided to start Vaya Technologies in the US, and how #verticalSaaS are leveraging Vaya's embedded credit to drive product attach rates in a new way. Link to podcast in the comments -  how you could use embedded credit to drive adoption of one of your features? 🤔

I had a great conversation with Lars Markull on Embedded Finance Review on #embeddedlending trends and how it's the most potent tool for vertical SaaS to accelerate product adoption. The podcast covers: - Embedded lending evolution across geographies and what true embedded is - How and why we started Vaya Technologies in the US - How #verticalSaaS are leveraging Vaya's embedded credit infra to drive product attach rates in a new way - A primer on the embedded lending protocol - OCEN and a lot more! The podcast link in the comments below 👇

🚀 Fridays in Fintech Episode 17 - "Empowering Vertical SaaS with Embedded Credit: A Dive with Ankit Singh, Co-Founder of Vaya Technologies" 🚀 Join us this Friday as we explore the world of embedded finance with Ankit Singh, Co-Founder and CEO of Vaya Technologies. Under Ankit's leadership, Vaya Technologies has emerged as a leader in providing embedded credit solutions that power leading vertical SaaS companies across the US, offering highly contextualized credit solutions that enhance customer experiences and financial fluidity. 🌟 Meet Our Featured Speaker: Ankit Singh Ankit is a leader in financial credit innovation, focusing on making credit more accessible and integrated within the ecosystems of vertical SaaS platforms. His journey includes contributions to democratizing credit in India, and now, revolutionizing how credit is embedded in businesses in the US. Ankit's expertise extends to fostering significant technological advancements in India's financial sector through his work with the Open Credit Enablement Network (OCEN) as part of 'India Stack'. Webinar Highlights: From Foundation to Market Leadership: The inception, vision, and rapid ascent of Vaya Technologies in the embedded finance landscape. Challenges and Wins: Navigating the complexities of integrating credit solutions into vertical SaaS platforms and the impact on the US market. Future Insights: Discover the next wave of fintech innovations and how embedded finance will continue to evolve and shape the industry. Whether you're a startup enthusiast, a credit expert, or someone interested in fintech, this webinar will be one not to miss. 📅 : Friday, July 5th, at 12:30pm PST / / 3:30pm EST #FridaysInFintech #FintechInnovation #EmbeddedFinance #SaaSTechnology #FinancialServices Join us to gain unparalleled insights into the future of embedded finance and network with industry peers. Don't miss out on this opportunity to learn from one of the trailblazers in the field!

Looking forward to catching up with Fintech friends, customers and partners in Vegas next week. DM me to connect and jam about embedded lending. We are at an inflection point for reimagining the way small businesses access credit. Excited to share with the community what we have been building at Vaya! #fintechmeetup #embeddedlending #embeddedfinance

Last month, the Small Business Administration (SBA) sought congressional authorization for direct lending, aiming to improve access to credit for small businesses. They were rebuffed by congress in the face of strong industry opposition. This development underscores a critical point I explore in my latest blog: the challenges and limitations of relying on public policy to solve financial inclusion. In “The Pitfalls of Relying on Public Policy to Drive Financial Inclusion”, I explore: 🔍 Ways that governments can and do intervene in providing access to credit. I'll look at some examples globally as well as in the US. ⚖️ The historical and political reasons -- foreshadowed by the debates between Jefferson and Hamilton -- why the government interventions have been constrained or difficult to sustain in America. Plus, discover how a potential “no” from banks could have turned Steve Jobs into an obscure painter instead of the founder of Apple. 🍏 📖 Read the full blog here: https://lnkd.in/gV6ksKNj (This is part of a series of posts about our mission to support financial inclusion for small businesses at Vaya Technologies in partnership with our vSaaS customers. You can find the series along with our other thoughts on #embeddedfintech and #verticalcredit at embedvaya.com. If our work resonates with your or someone you know, please check out open roles at embedvaya.com/joinus.) #fintech #startups #vsaas #verticalcredit #smallbusiness #embeddedfintech

📢 Shout-out to Josephine Roth (GTM Representative @ Vaya Technologies), our WISE Member of the Month for May! 🎉 Josephine has been actively engaging with the women in our community and promoting WISE to her network since joining. She shares her go-to activities and interests, and what she likes most about being part of the WISE community (full interview) 👇 https://bit.ly/4bLTsgO #womeninsales #WISEwomen

🌟A huge thank you to everyone who attended our vSaaS Happy Hour in NYC! It was a pleasure to connect with everyone, enjoy the lovely weather, and discuss the future of vertical credit. Thank you for making the event a success! 🌆🍹 #VayaTechnologies #vSaaS #Networking #VerticalCredit #NYCEvents

🌟 New Blog Post: Is it Worth It? 🌟 The question that serves as the core barrier to financial inclusion. Growing up in Northern Michigan, I often wondered if the effort to dig out the family car for early basketball practice was worth it. 🏀❄️ This same question echoes in the decisions businesses make every day. In my latest blog post, I explore why profitability is the core barrier to financial inclusion. Despite the six commonly cited barriers like financial literacy and high bank fees, the underlying issue is simple: banks don’t find it profitable to solve these problems. 💡💸 Using small business lending as an example, I break down the costs and revenues for banks and why they prefer larger loans over smaller ones. Even if banks charge higher rates, it’s still not profitable enough to justify the effort for smaller loans. 📉🏦 This lack of incentive for banks to serve small businesses and low-income consumers leads to persistent financial exclusion. But understanding this barrier is the first step toward finding solutions. 🌍💪 👉 Read more in my full blog post: https://lnkd.in/gTT7sTbx (This is part of a series of posts about our mission to support financial inclusion for small businesses at Vaya in partnership with our vSaaS customers. You can find the series along with our other thoughts on embedded fintech at embedvaya.com/blog. If our work resonates with your or someone you know, please check out open roles at embedvaya.com/joinus.) #fintech #startups #vsaas #verticalcredit #smallbusiness #embeddedfintech Vaya Technologies

🌟 New Blog Post: Is it Worth It? 🌟 The question that serves as the core barrier to financial inclusion. Growing up in Northern Michigan, I often wondered if the effort to dig out the family car for early basketball practice was worth it. 🏀❄️ This same question echoes in the decisions businesses make every day. In my latest blog post, I explore why profitability is the core barrier to financial inclusion. Despite the six commonly cited barriers like financial literacy and high bank fees, the underlying issue is simple: banks don’t find it profitable to solve these problems. 💡💸 Using small business lending as an example, I break down the costs and revenues for banks and why they prefer larger loans over smaller ones. Even if banks charge higher rates, it’s still not profitable enough to justify the effort for smaller loans. 📉🏦 This lack of incentive for banks to serve small businesses and low-income consumers leads to persistent financial exclusion. But understanding this barrier is the first step toward finding solutions. 🌍💪 👉 Read more in my full blog post: https://lnkd.in/gTT7sTbx (This is part of a series of posts about our mission to support financial inclusion for small businesses at Vaya in partnership with our vSaaS customers. You can find the series along with our other thoughts on embedded fintech at embedvaya.com/blog. If our work resonates with your or someone you know, please check out open roles at embedvaya.com/joinus.) #fintech #startups #vsaas #verticalcredit #smallbusiness #embeddedfintech Vaya Technologies

🔴 Around 20% of Americans are financially excluded in some form or the other. 🤔 My team was surprised to hear this. If financial inclusion is such a big deal, they asked, why are so many on the outside looking in? 💡 In trying to answer their question, I came across six key barriers that keep people out of the formal financial system or lead them to drop out: financial literacy, dwindling bank branches alongside a digital divide, language access, documentation requirements, a trust deficit, and fees. (I think there is actually a seventh, but I'll cover that in the next post!) ✍ I cover each of these and where you can learn in the full post below. 👇 (This is part of a series of posts about our mission to support financial inclusion for small businesses at Vaya in partnership with our VSaaS customers. You can find the series along with our other thoughts on embedded fintech at embedvaya.com/blog. If our work resonates with your or someone you know, please check out open roles at embedvaya.com/joinus.) #fintech #startups #vsaas #verticalcredit #smallbusiness #embeddedfintech