Guide
How to win the SaaS, ERP, and HR tech race by embedding finance
Embedding financial services can be a next-level advantage for all SaaS platforms, HR tech, and ERP systems – solving customer pain points with B2B bank accounts, payment cards, KYC or BKYC solutions.
This guide outlines why the time to act is now – and how SaaS providers can build competitive, compliant, and future-ready platforms for their SME customers.
This is especially relevant if you offer financial management solutions, accounting or tax services, or ERP and HR software.
HR tech market set for strong growth
By 2023, 65% of mid-to-large EU enterprises had adopted HR tech — highlighting a major shift toward digital HR management.
In 2024, the market reached a valuation of USD 4.48 billion. Projections indicate that the market is expected to grow to USD 8.67 billion by 2033, corresponding to a compound annual growth rate (CAGR) of 7.64% for the period 2025–2033.
ERP adoption keeps growing across Europe
Official statistics from the European Union pointed out that in 2023, 43.3% of all businesses in the EU used ERP software applications – and this number is growing.
By 2030 the European ERP software market will reach USD 35.07 billion, continuing its steady growth over the last decade.
Time to present yourself as a leader in this market.
“The integration of embedded finance into ERP systems is revolutionizing the market landscape. By doing so, ERP providers not only enhance user experience but also unlock significant revenue streams. This strategy positions ERP vendors at the forefront of innovation, meeting the growing demand for seamless, all-in-one business solutions.”
Deputy Director Commercial