Data driven embedded finance widgets

Embedded finance widgets that allow your FI to give business customers the data-driven insights they need for financial and business decisions that boost productivity for you both.
Embedded into digital banking, upSWOT enables business customers to connect their data for continuous, API-enabled access to the SaaS apps they use most such as QuickBooks, Xero, Salesforce, Stripe, and 100 others. upSWOT uses this data to deliver insights into trends and performance across your customer base creating insights and proactive alerts; strengthening relationships and building loyalty with business clients, generating cross-sell opportunities, and improving loan underwriting.

Features & Benefits

Enhanced loan onboarding

Approve lines of credit and loans faster by leveraging business customer's data from their commonly used applications.

upSWOT’s authentication and authorization process eliminates the time and friction of manual data sharing. Business users simply log in and connect the applications they use to run their business; enabling automated and continuous data sharing.

Marketing automation

upSWOT groups business customers based on their connected data. Highly personalized insights and product recommendations are delivered via email, push notification, or text, at the right time, to the right customers, at the moment of greatest impact.

Those same insights can be fed via the upSWOT API to your CRM, marketing automation systems, or business orchestration workflows.

Underwriting done right

Make business loans based on the business performance and projections, not just the owner. upSWOT automatically monitors AR/AP, P&L, balance sheet and tax returns placing your customers’ latest financial data at your fingertips.

Early warning system

The early warning system helps relationship managers immediately see critical changes in a client’s business activity. This allows for proactive interventions from the FI that can have maximum impact.

The customizable monitoring system is designed to track suspect events and data anomalies from more than 100 API-connected apps.

Sales insights

upSWOT surfaces the right data at the right time to support FI relationship managers with insights and proactive alerts. This strengthens relationships and builds loyalty with business customers.

With a comprehensive view of company performance, FIs and businesses receive crucial insights, trends, and opportunities to make data-informed business decisions.

Detailed analytics & financial reporting

Regular weekly reporting helps relationship managers optimize customer outreach activity.

Relationship managers can dig into transactional data, tax returns, AR/AP, payroll, and other financial details of business operations and performance. Data can be easily downloaded or delivered to your CRM via upSWOT's API.

Cash flow forecast

upSWOT's cash flow forecast presents a graphical projection of cash flow based on analysis from all connected data sources. The tool also allows for scenario modeling to see the impact of changes in revenue, expenses, etc. on cash flow over time.

Key metrics

KPIs are calculated based on the business data received from the clients’ connected applications, such as Amazon, Xero, QuickBooks, Square, etc. The data is constantly updated through our persistent process.

Business Credit Score Boost

Revolutionizing how business credit scores are seen, our tool enables businesses to get access to view and boost business credit scores.

Establishing the business credit score results in an improved lending process that expands access to credit, reduces borrowing rates, and better loan conditions.


Our insights generator cross-analyzes multiple applications’ data streams to understand current issues facing the business and how to resolve them. The data-driven insights suggest specific actions the business can take to improve operations and profitability.

Insights are delivered in real-time and with context and supporting detail to ensure they are understood and trustworthy.

Business valuation

Business valuation and market value estimates are important tools for setting business strategy. The valuation maps significant insights, tracks shortcomings, solves identifiable issues, and suggests steps to avoid potential problems.

The results from the model selected by our AI can be compared with those of similar public companies, helping businesses look at their performance from a more wholistic, competitive perspective.


The Accounts widget provides businesses with an instant snapshot of their cash position across a range of accounts. This encompasses accounts in other financial institutions, eWallets, and even cryptocurrencies. Where available, it taps into open-banking APIs to extract transaction-level details from aggregated accounts, offering deeper insights into spending patterns and cross-selling opportunities.

Payment calendar

This inclusive payment guide organizes a business's invoices, bills, and subscriptions for a convenient overview of expenditures. The widget offers actionable alerts for upcoming due amounts, and potential savings, and ensures timely payment scheduling.

Automated reconciliation

upSWOT can not only pull data from the accounting and ERP applications but we can send data to them. When the upSWOT solution identifies transactions that have already settled at the financial institution, the system will walk the user through a series of questions to help post, categorize, and even add vendors where needed. This process is continually trained over time and results in time savings, eliminating the frustration of missing expenses.

eCommerce & Sales

This widget provides a clear overview of performance across all connected eCommerce platforms and in aggregate. Critical to understanding the success of each platform, the tool illustrates trends over time for each channel where there is sales activity. The component shows profitability, margin, efficiency, and other key metrics to improve weaknesses and leverage strengths.


Many business owners manage multiple companies or keep multiple locations separate. upSWOT can aggregate statistics across their various entities and display them in one location.


The marketing widget looks at each connected platform and presents a clear view of the effectiveness of each solution used. The aggregated view shows such key metrics as a user acquisition strategy, click-thru, engagement, conversion rates, and ROI.