WALBING Group: Embedded finance for B2B business

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Hamburg Commercial Bank for people with foresight, passion and initiative. We are where our clients are: in our home region of North Germany, in the metropolitan regions of Germany and in selected foreign locations.

WALBING Group: Embedded finance for B2B business

Payment transactions for consumers have developed enormously in the B2C segment. Consumers expect to be able to choose between several payment methods. Payment transactions are now also rapidly changing in the B2B business.

“Platformication” is transforming the B2B business at great speed into an online business. Unfortunately, the digital customer journeys in the B2B business are being abruptly interrupted. Companies are often faced with a dilemma: They pay directly in advance, or they spend some time negotiating an analog financing offer and/or arranging commercial credit insurance before they are able to finalize the digital application route. Sometimes, a supplier can offer a few financing options directly. In most cases, however, companies need to turn to their bank for the purposes of refinancing payment terms or concluding letters of credits. In any event, it involves a convoluted, bureaucratic and manual process.

The WALBING Group is changing all this. With the help of a fully digital end-to-end API solution, it integrates invoice-to-cash factoring solutions, Track & Pay (as an alternative to letters of credit) and in the future also transactional commercial credit insurance in e-commerce, software-as-a-service and marketplace systems. This also allows B2B transactions to be performed completely digitally on platforms and without any interruptions to the checkout flow.

Into the digital age with HCOB

This article is part of a series focusing on payment transactions of the future. If you want to learn more about how to set up your payment traffic for the digital future, you can find more content in our web special.

In this field, the Hamburg company is a pioneer – and relies itself on the payment transaction expertise of the HCOB. “The in-depth understanding at the bank for our highly automated and AI-based business model has impressed and convinced us. The technical support for the implementation of the e-banking in the context of payment clearing using EBICS was exceptional,” says Jörg Hörster, CEO of the Fintech company, who noted that the onboarding process for new customers at the Hamburg Commercial Bank works quite rapidly and is extremely efficient.

Would you like to learn more about the payment transactions of the future?

Martin Wiedemann

Cash Management Corporates & Project Finance

Phone: +49 40 3333-14379

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