Jifiti has outlined how banks, lenders and retailers can use embedded lending during the 2025 holiday shopping season, including APIs, virtual cards and ecommerce integrations. The company’s November 13, 2025 guide connects financing availability with consumer spending on gifts and merchants’ seasonal inventory needs.

The article cites a Bankrate survey in which 41% of shoppers were concerned that holiday gifts would cost more in 2025. It also cites an Insider Intelligence forecast placing US buy-now-pay-later transaction volume above USD 95 billion for that year, compared with USD 75.6 billion in 2022. The 2025 figure is a forecast used in the guide.

Jifiti recommends offering different credit products according to the purchase and borrower profile. Its examples include split-payment plans, instalment loans and lines of credit. For lenders, the company presents those options as ways to reach customers through merchant channels and develop new retail partnerships.

Distribution across channels is another focus. The guide describes using embedded lending APIs or virtual cards to support financing online, in apps, by telephone and in stores. It also identifies virtual card programmes, ecommerce plugins and software development kits as deployment options for businesses preparing for seasonal demand.

The company extends the discussion to B2B financing, noting that smaller businesses may need funding to acquire stock for the holidays. It suggests that merchant financing programmes can address that requirement alongside consumer purchases.

Jifiti also argues for transparent lending through regulated financial institutions. The article attributes to Chief Executive Yaacov Martin a view that consumers increasingly favour bank-financed point-of-sale options. The guide presents regulated bank financing as part of its approach to responsible holiday lending.

For partners evaluating the technology, the guide brings together loan-product choice, merchant onboarding, virtual card delivery and integration across sales channels. Its recommendations are framed around the 2025 holiday period.