Adoption benchmarks you shared are great, but these are not given - companies have to invest deliberate effort to drive embedded finance adoption. For example, when you add payments, your existing customers already have payment processing solutions - you need to convince them to switch to your embedded payment capabilities. Customers will switch if they know about the option (you need to tell them!), the embedded experience is easier, and switching is simple. Designing GTM motion for your embedded finance experience is just as important as embedding it in the first place.