Growth financing Partnership potential with Choco Up to embed non-dilutive growth capital directly within the Instarem Business portal presents a strong upsell opportunity for SMEs using Instarem for cross-border payments.

SME focused Revenue is modest and target segment appears to be small and medium enterprises across multiple regions; there is room to cross-sell payment enhancements, working capital, and expense management solutions to existing SME customers.

Security risk A recent security breach reports indicate a need to reinforce security offerings and communications; sales conversations can emphasize enhanced security features, compliance assurances, and enterprise-grade risk controls to win larger customers.

Global reach Wide regional licensing footprint positions Instarem to tailor localized cross-border payment solutions; there is opportunity to upsell multi-region corridors, FX optimization, and localized support to multinational SMEs.

Tech leverage Existing tech stack and customer portal can be leveraged to introduce integrated financing, reward programs, and seamless payments experiences; propose bundled solutions that combine payments, financing, and loyalty to increase wallet share.