PYMNTS Intelligence's “Embedded Finance as a Strategic Initiative” Review
This article summarizes our takeaways from the PYMNTS Intelligence report “Embedded Finance as a Strategic Initiative,” and highlights why Rollfi and Priority are uniquely positioned as preferred vendors for embedded finance partnerships.
Embedded Finance: Strategy, Not Just Technology
PYMNTS Intelligence’s latest findings show that embedded finance is the new table stakes for SMBs and mid-sized enterprises, driving measurable gains in customer engagement, retention, and bottom-line growth. Nearly every firm surveyed offers at least one embedded finance solution—and 94% plan to increase investment over the next three years.
Payroll: The Most-Wanted Embedded Capability
A standout finding in the PYMNTS Intelligence report is the accelerating focus on payroll. Among all planned upgrades, embedded payroll benefits are the top priority:
61% of companies plan to launch new payroll features, making it the most sought-after new capability.
Embedded payroll offers key innovations: automated disbursements, early direct deposit, and comprehensive benefit management. These features help drive engagement, retention, and satisfaction for employees, especially in HR, SaaS, and fintech verticals.
Integration of payroll with payments and banking is now seen as table stakes for competitive platforms. Companies value unified solutions that reduce errors, ensure compliance, and deliver smoother onboarding and user experiences.
Rollfi & Priority: Unified and Future-Focused
Together, Rollfi and Priority power a Unified Commerce Engine that combines embedded payroll, benefits, bill pay, banking, and payments in one cohesive ecosystem. Clients benefit from:
One BSA, one AML, one trusted partner: Centralized compliance and onboarding.
Customizable, scalable integration: Tailored workflows and future-proof features.
Real-time innovation: Rollfi and Priority ensure workflows are always optimized to meet current and future needs—leveraging Priority’s institutional scale to unlock new revenue streams for every client.
This article summarizes our takeaways from the PYMNTS Intelligence report “Embedded Finance as a Strategic Initiative,” and highlights why Rollfi and Priority are uniquely positioned as preferred vendors for embedded finance partnerships.
Embedded Finance: Strategy, Not Just Technology
PYMNTS Intelligence’s latest findings show that embedded finance is the new table stakes for SMBs and mid-sized enterprises, driving measurable gains in customer engagement, retention, and bottom-line growth. Nearly every firm surveyed offers at least one embedded finance solution—and 94% plan to increase investment over the next three years.
Payroll: The Most-Wanted Embedded Capability
A standout finding in the PYMNTS Intelligence report is the accelerating focus on payroll. Among all planned upgrades, embedded payroll benefits are the top priority:
61% of companies plan to launch new payroll features, making it the most sought-after new capability.
Embedded payroll offers key innovations: automated disbursements, early direct deposit, and comprehensive benefit management. These features help drive engagement, retention, and satisfaction for employees, especially in HR, SaaS, and fintech verticals.
Integration of payroll with payments and banking is now seen as table stakes for competitive platforms. Companies value unified solutions that reduce errors, ensure compliance, and deliver smoother onboarding and user experiences.
Rollfi & Priority: Unified and Future-Focused
Together, Rollfi and Priority power a Unified Commerce Engine that combines embedded payroll, benefits, bill pay, banking, and payments in one cohesive ecosystem. Clients benefit from:
One BSA, one AML, one trusted partner: Centralized compliance and onboarding.
Customizable, scalable integration: Tailored workflows and future-proof features.
Real-time innovation: Rollfi and Priority ensure workflows are always optimized to meet current and future needs—leveraging Priority’s institutional scale to unlock new revenue streams for every client.
The Power of Partnership at Scale
As integration and compliance challenges rise, partnering with vendors that deliver trust, flexibility, and regulatory excellence becomes critical. The report shows that over 70% of companies rely on external partners for their embedded finance capabilities, seeking advanced technology and deep business alignment.
This is where Priority’s scale emerges as a major competitive advantage:
National reach and infrastructure: Priority manages vast payment networks and financial workflows, supporting millions of clients and billions in annual volume. This supports faster payments, banking, and bill pay for organizations of all sizes.
Operational resilience: Priority’s robust infrastructure means clients benefit from superior uptime, compliance coverage, and rapid adaptability—reducing the risk and delays often seen with less established partners.
Seamless rollouts and upgrades: Companies racing to upgrade embedded finance offerings need a partner capable of scaling quickly and securely. Priority’s scale and integration expertise ensure that payroll, payments, and other services are delivered with speed and reliability.
The Takeaway for 2025 Buyers
According to PYMNTS Intelligence, market leaders are driving results with transparent, scalable, and aligned partnerships. By leveraging Priority’s national infrastructure and Rollfi’s embedded vertical expertise, organizations secure the agility and reliability needed for long-term success in embedded finance.
About Rollfi
Rollfi empowers banks, vertical SaaS platforms, accounting firms, and fintechs to add payroll and benefits to their offerings through white-label solutions and robust APIs. With Rollfi’s infrastructure, platforms can unlock new revenue, boost customer retention, and gain valuable payroll data insights. Fast deployment and full regulatory coverage make Rollfi the easiest way to turn your platform into a one-stop shop for essential business services.
This article summarizes our takeaways from the PYMNTS Intelligence report “Embedded Finance as a Strategic Initiative,” and highlights why Rollfi and Priority are uniquely positioned as preferred vendors for embedded finance partnerships.
Embedded Finance: Strategy, Not Just Technology
PYMNTS Intelligence’s latest findings show that embedded finance is the new table stakes for SMBs and mid-sized enterprises, driving measurable gains in customer engagement, retention, and bottom-line growth. Nearly every firm surveyed offers at least one embedded finance solution—and 94% plan to increase investment over the next three years.
Payroll: The Most-Wanted Embedded Capability
A standout finding in the PYMNTS Intelligence report is the accelerating focus on payroll. Among all planned upgrades, embedded payroll benefits are the top priority:
61% of companies plan to launch new payroll features, making it the most sought-after new capability.
Embedded payroll offers key innovations: automated disbursements, early direct deposit, and comprehensive benefit management. These features help drive engagement, retention, and satisfaction for employees, especially in HR, SaaS, and fintech verticals.
Integration of payroll with payments and banking is now seen as table stakes for competitive platforms. Companies value unified solutions that reduce errors, ensure compliance, and deliver smoother onboarding and user experiences.
Rollfi & Priority: Unified and Future-Focused
Together, Rollfi and Priority power a Unified Commerce Engine that combines embedded payroll, benefits, bill pay, banking, and payments in one cohesive ecosystem. Clients benefit from:
One BSA, one AML, one trusted partner: Centralized compliance and onboarding.
Customizable, scalable integration: Tailored workflows and future-proof features.
Real-time innovation: Rollfi and Priority ensure workflows are always optimized to meet current and future needs—leveraging Priority’s institutional scale to unlock new revenue streams for every client.
