How to build a winning embedded finance strategy
Our conversation with Greg Myers from Leaders in Payments on moving from fragmented to unified systems.
Embedded finance has become one of the biggest opportunities in payments, but for many processors, ISOs, and partners, the challenge is not understanding the opportunity. The real challenge is figuring out how to deliver it in a way that is simple, scalable, and meaningful for merchants.
That was the focus of Jaris’s recent conversation on Leaders in Payments with Greg Myers, featuring Chris Aristides, Founder and CEO of Jaris, and Matt Thomas, VP of Platform Partnerships. The episode explored how payment companies can move from a fragmented stack of vendors, processors, and disconnected tools to a more unified embedded finance ecosystem.
At Jaris, we see embedded finance as more than a single product strategy. As Chris explained, the company’s goal is to help partners modernize their stack and stay competitive by combining vertical software infrastructure with embedded finance capabilities. Matt built on that idea by explaining how Jaris evolved from an initial focus on lending into a broader ecosystem that starts with the foundation: onboarding, managed settlement, and dynamic funding instructions. From there, that same infrastructure can support additional services like instant payouts and banking, all working together to create a better experience for partners and merchants.
One of the key themes in the episode was the importance of simplicity. Matt pointed to companies like Square and Stripe as examples of what happens when complexity is removed from the merchant experience. They made onboarding easier, simplified access to services, and created an ecosystem where payments become the entry point for broader product adoption. That same model is increasingly relevant for payment providers looking to deepen merchant relationships. Instead of offering isolated tools that require separate applications and disconnected experiences, the better approach is to create a unified environment where multiple products can be delivered through one integration and one merchant journey.
The business case is clear. For partners, this is about retention and revenue. Matt shared that many processors still lose a meaningful percentage of merchants each year, even when those relationships are strong. Embedded finance can help change that. A single product like lending can improve retention significantly, but the real impact comes from expanding into products that reach a much broader portion of the merchant base. Jaris’s approach is designed to help partners serve more merchants with products like instant payouts, high-yield savings, and other services that fit naturally into day-to-day business operations. Because those products are delivered on a shared foundation, partners can reduce complexity while creating more opportunities for engagement and revenue share.
The final takeaway from the episode was that success in embedded finance requires a first-principles approach. Modernization is not just about launching the next feature. It is about building the right infrastructure, reducing friction, and designing for long-term flexibility. At Jaris, that means helping partners simplify what has historically been complex, future-proof their operations, and create a better path to multi-product growth. That is how embedded finance becomes more than a trend. It becomes a real strategy for building stronger merchant relationships and more resilient businesses.
To learn more about partnership opportunities with Jaris, contact us.