“Can a large regional accountancy firm become the integrated digital finance partner for UK and Nordic SMEs by embedding lender referrals, expense management, payroll, and compliance tools into its own client platform (Cozone)?”
Azets is a large UK and Nordic regional accountancy and business advisory firm operating across 8 countries with 9,000 staff and 100,000+ clients. Originally focused on audit, tax, and accounting services, the firm has progressively embedded financial products and digital tools—including its proprietary Cozone platform, an expense management app, and partnerships with lenders—into its service delivery. The embedded finance angle is advisory and referral-led rather than balance-sheet-led: Azets acts as an intermediary introducing clients to lenders and financial service providers rather than operating its own regulated financial products.
Azets integrates with Xero, AccountsIQ, Big Red Cloud, Dext Prepare, Dext Precision, ApprovalMax, Caseware Cloud and CashAnalytics.
The Embedded Finance Index 2026 maps 4 layers in Azets's stack: Lending (Invoice Finance (via Bibby Financial Services) and Debt Advisory referral service); Unified APIs (Big Red Cloud and Dext); Accounting (Xero, AccountsIQ, Big Red Cloud, Dext Prepare and 4 others); Spend / AP (Findity).
Azets is headquartered in London, United Kingdom.
Get a read on where your own stack stands against Azets and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.