In the increasingly modular world of B2B fintech, the economics of a broad product stack add up. 

Product diversification increases ARPU, drives stickiness, and decreases dependency on a single income stream. It also protects fintechs from the market and regulatory shocks, such as changeable interchange fees and rising interest rates, that can squeeze margins.

Leading platforms like Tide, Ramp and Brex that started life as card issuers and business banks have rapidly evolved into broad ecosystems of services that streamline every part of a business’ financial operations. 

But the latest product generating excitement among B2B fintechs is not a financial service at all: it’s mobile plans. 

While this might seem like a left-field pivot, it's actually part of a broader trend. On the consumer side, the world’s leading fintechs have already embraced mobile as their next act. In June this year, Klarna announced the launch of a full mobile service to its 25 million US users, while Revolut will be launching local phone plans in the UK, Germany and Poland later this year.

By bundling financial services with mobile connectivity, these fintech giants are streamlining two of the most essential services in modern life, embedding themselves more deeply into users’ daily lives, and driving lasting customer loyalty.

But until now, mobile has remained largely untapped by B2B fintechs. That’s an oversight that product teams are moving quickly to correct. 

Why connectivity fits the B2B fintech stack

Today’s professionals have come to expect seamless digital solutions to everyday processes, from expense management to global payments. But when it comes to work phone plans, their experience hasn’t changed much in ten years. 

SIM cards arrive by mail, phone contracts and stipends are tracked in spreadsheets, and teams spend valuable time juggling plans across countries and carriers. It’s a fragmented, expensive and time-consuming process, especially for businesses with large teams that operate across borders. 

This friction becomes even more palpable when teams travel. Despite being more mobile than ever, most workers still rely on insecure public wifi on work trips, or rack up roaming charges that require clunky expense reimbursements. A survey from Forbes Advisor found that 41% of US travelers face security breaches when using public wifi abroad, while one third of Millennial and Gen Z workers say poor mobile connectivity is a major productivity drag when travelling for work. 

In a world where employees are increasingly expected to be always online, employers have a duty of care to provide safe, secure, subsidized connectivity for their workforce. B2B fintechs are well positioned to provide a seamless global solution. 

• A record of excellence: B2B fintechs have already shown that they can turn outdated, back-office systems into intuitive products that people actually like using. Mobile is a natural next step.

• World-class UX: With clean app interfaces and wide integrations, they can deliver eSIMs instantly via Slack, email or app, and give teams full visibility and control over usage.

• The strategic advantage: Mobile is a sticky, high-value product. With businesses spending upwards of $1,000 per employee each year on mobile enablement, adding work phone plans unlocks a new stream of recurring revenue and will deepen platform loyalty.

Capturing the solopreneur market

A growing share of B2B fintech users are sole traders and small-business owners. For this demographic, separating work and personal life is a core reason for using a financial platform. 

That separation often begins with a business account or expense card. A dedicated phone number is a natural next step.

Having a separate business line lends credibility to a small business, helps keep work and personal communication separate, and protects users from having to share their private number online. Many financial services, including credit applications and payment gateways, require a business number. By allowing users to create one with a few clicks, fintech platforms can offer tangible value, and even accelerate customer onboarding. 

The anatomy of a modern business phone plan

Until recently, offering a fully-integrated mobile solution was near-impossible. But today, Gigs makes it easy to embed multi-carrier connectivity directly into tech platforms, much as Stripe transformed payments into an embeddable service over the last decade.

With minimal effort, B2B fintechs can now offer local work phone plans in 50+ countries and roaming data globally. By embedding connectivity directly into their platform, rather than relying on a referral partnership, they retain full control over branding and delivery, and can ensure a premium user experience for their customers. 

• Instant eSIMs: Delivered digitally to employees for seamless activation.

• Secure connectivity: Enabling users to hotspot rather than rely on risky public wifi.

• Effortless oversight: Eliminates the need for stipends or time-consuming reimbursement processes.

• Flexible plans: Teams can spin up and cancel phone plans for employees easily. 

A simple feature with strategic weight

The most effective products are those that solve a clear pain point. Like expense cards, procurement and invoicing software, digitally distributed work phone plans hit the brief. 

Today’s B2B platforms can offer secure, automated employee phone plans on a global scale, reinforcing their position as the infrastructure businesses rely on. Not just to manage money, but to keep their teams moving.

Consumer fintech has already recognised the mobile opportunity. Now, B2B platforms are catching up.