J.P. Morgan Payments, Oracle, and FedEx just raised the bar for corporate treasury. In a joint initiative that blends fintech innovation with enterprise-grade efficiency, the trio has launched a fully embedded supply chain finance (SCF) solution directly within Oracle Fusion Cloud ERP—a first-of-its-kind integration designed to streamline working capital management and offer vendors instant liquidity with minimal friction.

Unveiled as part of J.P. Morgan Payments’ broader push into embedded financial solutions, the integration allows FedEx and other corporates to activate SCF features natively within their Oracle ERP, cutting what was once a six-month custom development cycle down to a simple configuration process.

“We’re thrilled to team up with FedEx and Oracle to drive working capital optimization through seamless integration,” said Umar Farooq, Global Co-Head at J.P. Morgan Payments. “This collaboration is a clear signal of how embedded finance is evolving from concept to enterprise-scale execution.”

Why This Matters: Embedded Finance, Activated

In practical terms, here’s how the new setup works: when FedEx approves an invoice, its vendors can either wait for payment on extended terms or receive early payment—financed at rates based on FedEx’s robust credit rating. For FedEx, this boosts liquidity and cash flow flexibility. For vendors, it means instant access to capital—without the typical trade-off in cost or complexity.

The real innovation? It’s all embedded. No custom coding. No bolt-on systems. Everything lives within Oracle’s ERP ecosystem via Oracle B2B, and the integration is delivered through J.P. Morgan’s Integrated Trade Finance suite.

“This has been transformative,” said Trampas Gunter, CVP Corporate Development and Treasurer at FedEx. “It strengthens our financial position while enhancing operational resilience.”

Beyond FedEx: An ERP Revolution in Motion

While FedEx is the flagship client, this announcement reflects a larger industry shift toward turnkey treasury solutions that integrate directly into the tools finance teams already use. The Oracle-J.P. Morgan relationship, which dates back to 2022, has yielded a growing library of integrations aimed at eliminating manual touchpoints in treasury operations.

Key solutions now embedded in Oracle Cloud ERP include:

• Integrated Banking – For real-time data, faster onboarding, and seamless payments
• Touchless Expenses – AI-powered expense reporting and reimbursements
• Integrated Virtual Card – STP-enabled card payments for B2B invoices
• Kinexys by J.P. Morgan – A blockchain-based platform that FedEx now uses for liquidity management across Europe and APAC

Oracle’s EVP of Applications Development, Rondy Ng, summed it up:

“This multi-year innovation partnership enables our customers to unlock next-gen banking services with near touchless transactions and resilient financial operations.”

The Bigger Picture: Liquidity Meets Automation

The launch also reflects the growing importance of automated liquidity management in today’s global economy. FedEx’s adoption of J.P. Morgan’s award-winning Liquidity & Account Solutions (L&AS) and blockchain-native Kinexys Digital Payments shows that real-time treasury optimization is no longer aspirational—it’s here.

With over $1.5 trillion in volume processed through Kinexys and $10 trillion in daily transactions across J.P. Morgan Payments globally, the scale and reliability of the infrastructure are unmatched. This is enterprise fintech—fully integrated, highly scalable, and designed for a future where ERP, AI, and embedded finance converge.

This isn’t just another ERP enhancement—it’s a signpost for where treasury technology is heading. Companies like FedEx are no longer piecing together disparate systems for working capital and liquidity. Instead, they’re demanding (and receiving) turnkey, in-platform functionality that delivers financial outcomes in real time.

As embedded finance moves from buzzword to baseline, J.P. Morgan Payments and Oracle are clearly building the pipes—and clients like FedEx are proving just how powerful those pipes can be when activated intelligently.

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