← State of Embedded Finance 2026

SimplySwim

Can a specialist online swimwear retailer defend its niche against generalist marketplaces through brand depth and category expertise?

HQUnited Kingdom
IndustryE-commerce / Retail
The story

Simply Swim is a UK-based specialist online swimwear retailer operating on Shopify. The site sells swimwear, goggles, training aids, and accessories from brands like Speedo, Arena, TYR, and Zoggs. Embedded finance footprint is minimal — limited to e-commerce checkout payment methods and consumer BNPL via PayPal Credit.

Last 12 months
The stack
Payments / PSP
PayPalShopify Payments
Lending
PayPal CreditPayPal Credit (Buy Now Pay Later at checkout)
Accounting gap: none