Unlike most of its peers, Adyen runs a single platform that combines gateway, risk management and processing functionalities. This single-platform approach offers several benefits, including global reach, support of unified commerce, ongoing and fast innovation, and centralised data (which helps maximize revenue while minimising risk). While initially focused on enterprise customers, Adyen is increasingly focusing on small and medium-sized companies. The regulatory complexity and compliance burden for payments is continuously increasing, while this segment is underserved by traditional financial service providers. The Adyen offering helps customers address these issues as its platform helps 1) to offer new payment methods, 2) to fight financial crime and fraud), and 3) to enhance the risk profile of buyers and sellers. By increasingly serving this underserved segment of the market, Adyen helps to promote financial inclusion. Lastly, Adyen’s technology supports merchants with their impact strategies through its Giving product (which enables donations to charities at checkout) and Restore product (which enables merchants and their shoppers to compensate for carbon emissions at checkout).