CEO
Matrexia
Matthew Watts is the Chief Executive of Matrexia, a decision intelligence company helping banks recover false negatives in small business lending and convert missed decisions into measurable revenue. He leads a multidisciplinary organisation that turns deep learning, geometry, topology, and temporal analysis into explainable outputs that risk, credit, and compliance teams can act on. Previously, he co-founded Lendflow as CTO, partnering with more than seventyfive lenders and enabling over 1.5 billion dollars in annual offers to U.S. small businesses. Originally from the UK, Matthew sets strategy, product direction, and commercial discipline at Matrexia with a first-principles focus on auditability and customer trust. He speaks on where models censor credit, how to quantify recoverable margin, and how decision infrastructure expands margin inside the existing credit box.
Small and medium-sized businesses are always after new revenue. But they want to focus on their core business and not have to spend time and energy worrying about payment processing. Offering SMBs low fees, fast settlement, and a global network, while allowing them the generate revenue off those transactions, embedded payments players are coming to the rescue! Or are they? While embedded finance has certainly taken the industry by storm and allows consumers a plethora of payment options, not everyone is so sure the money flows back to the small business. Join this panel as they debate whether embedded finance is a cash cow or a money pit.