Didero Entering Supply Chain Finance

This points to a much bigger business than workflow software, because once a platform sits in the middle of purchase orders, invoices, supplier onboarding, and approvals, it can start making money from the movement of money and from underwriting decisions. Incumbents have shown the pattern. They use transaction data to offer early supplier payment, working capital products, and supplier risk monitoring, which turns flat SaaS fees into fee streams tied to payment volume and financing usage.

• Tradeshift is the clearest precedent. It sells procurement and payments software, then uses invoice and transaction data to offer suppliers early payment for a fee. That works because the platform already sees approved invoices, payment timing, and buyer behavior, which makes underwriting much easier than traditional trade finance.
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• SAP and Coupa have already pushed procurement into risk and finance. SAP Ariba has a dedicated supplier risk product with continuous monitoring and due diligence built into source-to-pay. Coupa added supplier risk scoring through its Riskopy acquisition and supports supplier risk data feeds inside the procurement stack.
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• Tipalti shows the revenue logic on the payments side. It started with AP automation, added procurement through Approve.com, and has moved toward supplier financial services like faster payment and working capital. Zip is earlier, but it has already added payment capabilities, showing where modern procurement software is heading.
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The next step for procurement platforms is to become decision engines for both spend and supplier health. If Didero reaches source-to-pay depth, it can price suppliers, route payments, surface weak vendors before a disruption, and capture revenue on each financed invoice or risk screened supplier, which would move it closer to the economics of fintech infrastructure than pure SaaS.