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Edition 046 · Shift Conversation

The margin case for embedded finance.

Priya Anand
Founder, Northwind · 27 June 2026
Watch · Edition 046

Priya Anand has spent five years arguing that most software companies leave their best margin on the table. Northwind exists to move it back onto the balance sheet.

Her case is unsentimental: finance is where the value concentrates, and the software company closest to the transaction is best placed to capture it.

Finance is not a feature you add. It is the margin you were already generating for someone else.
Priya Anand

What follows is how she thinks about sequencing it — and the forecast she will defend on the record.

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Shift Forecast · on the recordSHIFT-2026-116
Embedded finance becomes the default margin lever for B2B vertical software by 2026.
Confidence
81%
Horizon
2026
Status
Resolved ✓
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