AI Reshapes SaaS Economics With Embedded Payments

Industry reporting and analysts say AI is disrupting SaaS business models as agentic systems threaten to bypass application layers, contributing to recent market volatility with tech-software ETFs falling over 14% and January marking the index's worst month since 2008. IDC forecasts roughly 70% of vendors will move from seat-based pricing by 2028, while PYMNTS and Worldpay research finds 90% of SMBs deem embedded finance essential, boosting payments' strategic role in SaaS.