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Luke Voiles

CEO
Pipe
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20 Jul 2023
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Bay Area
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Followed by John Sims, Martha Boyle and 5 others you follow

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CEO
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Latest opinions

Luke Voiles

What All Great Embedded Finance Innovations Have in Common: 3 Core Features

Embedded finance might be yesterday’s favorite buzzword, but that’s only because it’s grown up and into a viable industry in its own right. The formula of taking great products and adding in personalized financial services wasn’t possible just a few years ago, and it’s given way to some runaway successes. Uber popularized the magic experience of w...

25 August 2025 Embedded Finance

Luke Voiles

Fintech and Small Business Predictions for 2025

With 2025 approaching, the landscape for SMBs is undergoing transformative changes driven by advances in technology, shifts in consumer expectations, and evolving regulatory frameworks. It is a priority for a company to keep a pulse on the industry trends that impact those it serves. How will AI agents transform financial services? What does a shi...

10 January 2025 Fintech

Luke Voiles

Why It Doesn’t Matter that Banks are Disappearing as the Lenders for SMBs

Access to capital is a cornerstone for the survival and growth of small and medium-sized businesses (SMBs). Traditionally, these businesses relied on strong relationships with community banks and Community Development Financial Institutions (CDFIs). However, as banks consolidate capital and smaller institutions disappear, the financing landscape i...

28 February 2024 Embedded Finance

See all 5 opinions by Luke

Luke writes about

  • payments
  • retail banking
  • financial inclusion
  • markets
  • predictions

Luke's opinion archive

  • 2025 (2)
  • 2024 (1)
  • 2023 (2)
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