Aon, become the one-stop HR shop with embedded banking services

Centralize all your people management processes within your platform.

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Behind Europe's next-generation HR SaaS solutions

Lucca

Payflow

Betterfly

Lucca

Payflow

Betterfly

Aon has everything needed to cather to the financial needs of both companies and their employees.

Enhance Aon's customer value proposition by streamlining benefits and finance processes, resulting in improved outcomes for customers and a better overall experience. This is how Aon's dashboard could look like:

YourBrand

's Dashboard

Onboard employees in one step and issue cards instantly. Track enrollment status in real time and keep every profile accurate with quick updates to eligibility or benefits. Employees get immediate access to the funds they need, and HR teams avoid manual work, delays, and guesswork.

See your benefits spend as it happens and understand how each program impacts your budget. Spot shifts early with clear trends and simple forecasting tools. Run quick scenario tests to plan ahead with confidence. Stay on budget without spreadsheets, complexity, or surprises.

Understand which benefits employees actually use and which programs drive the most value. View usage patterns across categories and identify low-engagement areas that need attention. Discover top merchants and spending trends to refine your offering. Build a benefits program that is efficient, relevant, and backed by real data.

Keep payroll accurate by syncing every benefit deduction and contribution automatically. Push taxable and pre-tax benefits straight into your payroll provider without exporting or uploading files. Review a clean payroll summary, approve it, and trigger the entire payroll batch in one place. Every pay cycle stays aligned with real benefit activity, with no manual steps or errors.

Activate benefits and cards

Control spend and forecast

Optimize benefit spending

Sync benefits to payroll

YourBrand

's Dashboard

Aon

's Dashboard

Activate benefits and cards

Onboard employees in one step and issue cards instantly. Track enrollment status in real time and keep every profile accurate with quick updates to eligibility or benefits. Employees get immediate access to the funds they need, and HR teams avoid manual work, delays, and guesswork.

users activate their benefits cards

Control spend and forecast

See your benefits spend as it happens and understand how each program impacts your budget. Spot shifts early with clear trends and simple forecasting tools. Run quick scenario tests to plan ahead with confidence. Stay on budget without spreadsheets, complexity, or surprises.

Optimize benefit spending

Understand which benefits employees actually use and which programs drive the most value. View usage patterns across categories and identify low-engagement areas that need attention. Discover top merchants and spending trends to refine your offering. Build a benefits program that is efficient, relevant, and backed by real data.

Sync benefits to payroll

Keep payroll accurate by syncing every benefit deduction and contribution automatically. Push taxable and pre-tax benefits straight into your payroll provider without exporting or uploading files. Review a clean payroll summary, approve it, and trigger the entire payroll batch in one place. Every pay cycle stays aligned with real benefit activity, with no manual steps or errors.

Integrate essential banking services needed by business customers and their employees

Swan offers you a complete banking toolkit so you can build your best product.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Local IBANs

Offer local accounts and IBANs starting with FR, DE, ES, NL and soon IT Strengthen your brand with banking accounts your customers trust.

Local IBANs

Virtual cards

Whenever a card is issued, a virtual card number is instantly created and can be used anywhere online. Cards can be added to Apple Wallet and Google Pay, so they’re available for in-store contactless payments on compatible devices.

Virtual cards

Physical cards

The good old plastic cards we all know. They can be used at sales points with any of the usual methods: swipe, chip + PIN code, or contactless.

Physical cards

Account funding

Pull payments via SEPA Direct Debit to credit your Swan account by adding a recurring funding source. You can even set up smart rules: define a minimum balance and when the account balance falls below this threshold, automatically initiate a scheduled deposit to top-up the account automatically.

Account funding

Join the embedded banking movement.

Give your customers an experience so smooth they don't even notice financial steps. Banking becomes invisible.

David Mendez

Embedded Finance Expert

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Talk to an expert

Swan's know-how responds to the operational requirements of our profession, where stakes are high and workflow issues complex. The ease of integration and quality of the technical documentation has been a delight for our tech team!

Vincent Folny

,

COO & Co-founder at Aria

In just a few days, the Pennylane Wallet was able to go live and our customers could transfer money and start paying their bills. Swan enables us to add features step by step, depending on user feedback. They’re exactly the partner we were looking for. Truly game changing in the industry!

Tancrède Besnard

,

Co-Founder & Product at Pennylane

Customer Stories

Featured

Betterfly: Benefits adoption as the North Star

70% of users activate their benefits after onboarding

Over 80% of users maintain regular usage of benefit cards

Offering employee benefits is one thing. Ensuring they are used and appreciated is another. Betterfly set out to solve this problem: transforming how companies care for their teams by making flexible compensation a daily, tangible experience.

Lucca x Swan: Why the best HR software has embedded banking

Innovating in the HR field for over 20 years, Lucca had already streamlined HR processes for 1 million users in 112 countries. Now, with embedded banking features, they are surfing a sharp uptick in growth!

La nueva ola: why embedded finance is about to take off in Spain

With the country’s new Startup Law and other positive developments, fintech in Spain is poised for explosive growth

Building next-generation human resources

Take your user experience to the next level

Embed payment flows into your product to offer a centralised experience. No more back and forth between apps for your users.

Reinforce your competitive advantage

Differentiate yourself from competition by offering payment features your customers need.

Generate additional revenue

Based on a high-level business case, we estimate that embedded finance presents an opportunity for Aon to generate over €60 million in annual revenue.

Increase stickiness

Weekly banking operations boost engagement and reduce churn risk by increasing customer reliance on your systems.

FAQs

What kind of banking features can I embed into my product?

Almost every type of financial service is embeddable. Swan has three core banking products: accounts, cards, and payments. You can offer your customers accounts, many types of payment cards, and the ability to send or receive payments via the SEPA network, and more!

What resources are required to launch embedded banking?

Partnering with a Banking-as-a-Service provider like Swan means you can launch your banking product in a matter of weeks at a fraction of the cost of working with a traditional bank. Since Swan handles the tricky compliance stuff like KYC, AML, and transaction monitoring, you don’t have to spend the time and money building a dedicated banking team in-house.

How does embedded banking allow me to triple my revenue?

Banking features enable you to further monetize hard-won customers. You’ve done a lot to get your customer on board. By offering them financial products when they need it and how they want it, you can increase revenue through shared interchange, higher subscription fees, and more.

Ready to unlock the potential of your product?

Let’s make banking features a core strength of your proposition—helping you tap into new opportunities and making your platform indispensable for your business users.

Talk to our team

© Swan.io 2025

SWAN is a simplified joint-stock company (SAS) registered with the Paris Trade and Companies Register under number 853 827 103, having its headquarters at 91 rue du Faubourg Saint-Honoré 75008 Paris, FRANCE, and represented by its President Nicolas Benady.
Swan is a licensed electronic money institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), under the REGAFI identifier 86245 and identification code 17328 K, with authorisation granted on 04/06/2020.
All client funds held by Swan are safeguarded in full compliance with applicable regulations. These funds are segregated and deposited with our banking partner, BNP Paribas. In the unlikely event of BNP Paribas defaulting, client deposits are protected by the French Deposit Guarantee and Resolution Fund (FGDR) up to €100,000 per client, offering an additional layer of financial security.