Latest opinions that Luke Voiles has shared on Finextra

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Luke Voiles

CEO

Pipe

Member since

20 Jul 2023

Location

Bay Area

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Luke's opinions

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 /payments /retail Embedded Finance

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 /inclusion /predictions Fintech

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 /inclusion Embedded Finance

Growth at all costs is dead; Three lessons founders can learn from SMBs about sustainable growth

I’m sure it won’t come as a surprise to you that the VC-funding boom of the past couple of years is over. With those VCs still sitting on dry powder, hesitant to pull the trigger on growth-stage companies, there’s not much booming happening at all. Companies are raising down rounds to sustain themselves and looking for ways to get by indefinitely,...

15 September 2023 Embedded Finance

Building a lending business is hard. Here’s why most software companies shouldn’t do it.

Convenience has become table stakes now. In the past few years, especially since the onset of COVID, we’ve come to expect that what we need can be dropped on our doorstep with the click of a button. Those expectations go beyond our personal lives and carry over into how we run businesses, which is why embedded financing is growing so fast. For in...

24 July 2023 /markets Embedded Finance