Businesses of all sizes are complex entities requiring a wide variety of services and support from a financial institution to operate efficiently. As a result, no two businesses are alike, and each one has its own strategic priorities and views on the most convenient way to engage with a financial institution. The diverse needs associated with the small and medium business (SMB) segment present an opportunity for credit unions to pursue an innovative new model for enabling a unified suite of financial management workflows designed specifically for SMBs, which we refer to as embedded banking.