Unlocking New Revenue Streams for Top US Bank

Overview

A leading U.S.-based bank partnered with Tech Mahindra to capture the growing B2B digital commerce market. The bank needed to provide seamless credit access for business buyers on third-party marketplaces but lacked the digital-native infrastructure to support scalable, secure embedded financing.

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A leading U.S.-based bank partnered with Tech Mahindra to capture the growing B2B digital commerce market. The bank needed to provide seamless credit access for business buyers on third-party marketplaces but lacked the digital-native infrastructure to support scalable, secure embedded financing.

Tech Mahindra designed and deployed a future-ready embedded finance platform integrated with a leading cloud marketplace. The solution features automated credit approvals, self-service portals, and secure API-based communication. This created a significant new revenue stream for the bank, modernized its lending infrastructure, and strengthened its position as an innovator in the B2B digital ecosystem.

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Client Background and Challenges

  • Inability to capture new revenue opportunities in the rapidly growing digital B2B commerce space.
  • Struggling to address the market shift from traditional in-store business purchasing to online marketplaces.
  • Lack of a digital-native infrastructure to support secure, scalable financing across third-party digital storefronts.
  • Need to provide seamless credit access for business buyers without disrupting existing banking operations.

Our Approach and Solution

  • Designed, developed, and launched a future-ready embedded finance platform for a leading cloud marketplace.
  • Created a user-friendly borrower portal for businesses to manage applications, payments, and credit limits.
  • Developed a dedicated operations portal for bank staff to manage approvals, track payments, and handle exceptions.
  • Enabled pre-approved credit limits and consolidated financing for purchases from multiple vendors.
  • Built the platform on a flexible, scalable microservices-based architecture.
  • Integrated with third-party services for identity verification, credit bureau checks, AML, and fraud detection.
  • Ensured real-time, compliant data exchange through secure APIs and an API gateway.

Business and Community Impact

  • Generated significant revenue growth from financing volumes, outperforming traditional in-store lending channels.
  • Expanded the bank’s digital ecosystem by enabling new partnerships with OEMs and digital storefronts.
  • Established a scalable, modern, digital-native lending infrastructure for future growth.
  • Enhanced customer acquisition and loyalty by providing a frictionless, integrated credit experience.
  • Strengthened the bank’s brand image as an innovation-driven leader in the digital economy.