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Global Embedded Finance Market Size, Share, Forecast: By Type: Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Banking, Embedded Lending; By Business Model: B2B, B2C, B2B2B, B2B2C; By End Use: Retail, Healthcare, Education, Others; Regional Analysis; Market Dynamics; Competitive Landscape; 2023-2028
Global Embedded Finance Market Outlook
The global embedded finance market attained a value of nearly USD 59.4 billion in 2022. The market is projected to grow at a CAGR of 24.30% between 2023 and 2028 to reach a value of around USD 219.09 billion by 2028.
Key Trends in the Market
Embedded finance refers to a process in which a non-financial company offers financial products and services to a client. These financial services include lending, payment processing, and insurance, among others.
- The growing expansion of the e-commerce sector is offering lucrative growth opportunities for the embedded finance market. E-commerce platforms use embedded financial services to attract and retain sellers to gain a competitive edge.
- Growing collaborations and partnerships between software companies to bolster the adoption of embedded finance across businesses are likely to aid the market. For instance, companies like Weavr and Visa are collaborating to increase the sales of embedded finance solutions across B2B SaaS firms.
- The integration of artificial intelligence (AI) with embedded financial services is redefining financial engagement while facilitating next-generation personalisation for the end-users. This trend is likely to augment the embedded finance market dynamics in the coming years.
Market Analysis
Based on type, the market is segmented into embedded payment, embedded insurance, embedded investment, embedded banking, and embedded lending. On the basis of business model, the market is classified into B2B, B2C, B2B2B, and B2B2C.
By end use, the market is categorised into retail, healthcare, education, IT and telecom, real estate, mobility, travel and entertainment, and manufacturing, among others. The major regional markets for embedded finance include North America, Europe, the Asia Pacific, Latin America, and the Middle East and Africa.
The comprehensive EMR report provides an in-depth assessment of the market based on the Porter's five forces model along with giving a SWOT analysis. The report gives a detailed analysis of the key players in the global embedded finance market report, covering their competitive landscape and latest developments like mergers, acquisitions, investments and expansion plans.
- Stripe, Inc.
- Payrix Solutions, LLC
- Cybrid Technology Inc.
- Walnut Insurance Inc.
- Lendflow Inc.
- Finastra
- Zopa Bank Limited
- Fortis Payment Systems, LLC
- Transcard Payments, LLC
- Fluenccy Pty Limited.
- Others
Market Share by Type
Embedded payment accounts for a significant share in the embedded finance market. Embedded payment streamlines the user experience by eradicating the need for users to leave an application to make a payment. It speeds up the payment process, hence boosting customer satisfaction and improving customer loyalty and business revenue.
Moreover, amidst the changing consumer preferences and habits, embedded payments can help a business gain consumer insights which can add value to marketing strategies. This is a major advantage offered by embedded payments, which is likely to support the segment growth.
Market Share by Business Model
B2B accounts for a significant share of the market. THE B2B sector uses embedded financing methods to improve the payment process between the supplier and customers.
Meanwhile, the increasing number of fintech and software start-ups addressing the challenges of the B2B sector, such as security breaches, broken financial workflows, and lack of financial transparency, among others, have been bolstering the growth of this segment.
Competitive Landscape
Stripe, Inc. is a financial services company which offers platforms for credit cards, billing management, money transfer, and marketplace management. It was founded in 2010 and is headquartered in Dublin, Ireland.
Payrix Solutions, LLC is an embedded payments company offering software technologies for different verticals, such as non-profit and charity, property management, and fitness, among others. It was established in 2015 and is headquartered in Georgia, the United States.
Cybrid Technology Inc. is a company which offers embedded financial services for businesses of various fields, using APIs and SDKs. The company was established in 2006 and is headquartered in Jiangsu, China.
Other market players include Walnut Insurance Inc., Lendflow Inc., Finastra, Zopa Bank Limited, Fortis Payment Systems, LLC, Transcard Payments, LLC, and Fluenccy Pty Limited., among others.
Key Highlights of the Report
| REPORT FEATURES | DETAILS |
|---|---|
| Base Year | 2022 |
| Historical Period | 2018-2022 |
| Forecast Period | 2023-2028 |
| Scope of the Report |
Historical and Forecast Trends, Industry Drivers and Constraints, Historical and Forecast Market Analysis by Segment:
|
| Breakup by Type |
|
| Breakup by Business Model |
|
| Breakup by End Use |
|
| Breakup by Region |
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| Market Dynamics |
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| Competitive Landscape |
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| Companies Covered |
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*At Expert Market Research, we strive to always give you current and accurate information. The numbers depicted in the description are indicative and may differ from the actual numbers in the final EMR report.
1 Preface
2 Report Coverage – Key Segmentation and Scope
3 Report Description
3.1 Market Definition and Outlook
3.2 Properties and Applications
3.3 Market Analysis
3.4 Key Players
4 Key Assumptions
5 Executive Summary
5.1 Overview
5.2 Key Drivers
5.3 Key Developments
5.4 Competitive Structure
5.5 Key Industrial Trends
6 Market Snapshot
6.1 Global
6.2 Regional
7 Opportunities and Challenges in the Market
8 Global Embedded Finance Market Analysis
8.1 Key Industry Highlights
8.2 Global Embedded Finance Historical Market (2018-2022)
8.3 Global Embedded Finance Market Forecast (2023-2028)
8.4 Global Embedded Finance Market by Type
8.4.1 Embedded Payment
8.4.1.1 Historical Trend (2018-2022)
8.4.1.2 Forecast Trend (2023-2028)
8.4.2 Embedded Insurance
8.4.2.1 Historical Trend (2018-2022)
8.4.2.2 Forecast Trend (2023-2028)
8.4.3 Embedded Investment
8.4.3.1 Historical Trend (2018-2022)
8.4.3.2 Forecast Trend (2023-2028)
8.4.4 Embedded Banking
8.4.4.1 Historical Trend (2018-2022)
8.4.4.2 Forecast Trend (2023-2028)
8.4.5 Embedded Lending
8.4.5.1 Historical Trend (2018-2022)
8.4.5.2 Forecast Trend (2023-2028)
8.5 Global Embedded Finance Market by Business Model
8.5.1 B2B
8.5.1.1 Historical Trend (2018-2022)
8.5.1.2 Forecast Trend (2023-2028)
8.5.2 B2C
8.5.2.1 Historical Trend (2018-2022)
8.5.2.2 Forecast Trend (2023-2028)
8.5.3 B2B2B
8.5.3.1 Historical Trend (2018-2022)
8.5.3.2 Forecast Trend (2023-2028)
8.5.4 B2B2C
8.5.4.1 Historical Trend (2018-2022)
8.5.4.2 Forecast Trend (2023-2028)
8.6 Global Embedded Finance Market by End Use
8.6.1 Retail
8.6.1.1 Historical Trend (2018-2022)
8.6.1.2 Forecast Trend (2023-2028)
8.6.2 Healthcare
8.6.2.1 Historical Trend (2018-2022)
8.6.2.2 Forecast Trend (2023-2028)
8.6.3 Education
8.6.3.1 Historical Trend (2018-2022)
8.6.3.2 Forecast Trend (2023-2028)
8.6.4 IT and Telecom
8.6.4.1 Historical Trend (2018-2022)
8.6.4.2 Forecast Trend (2023-2028)
8.6.5 Real Estate
8.6.5.1 Historical Trend (2018-2022)
8.6.5.2 Forecast Trend (2023-2028)
8.6.6 Mobility
8.6.6.1 Historical Trend (2018-2022)
8.6.6.2 Forecast Trend (2023-2028)
8.6.7 Travel and Entertainment
8.6.7.1 Historical Trend (2018-2022)
8.6.7.2 Forecast Trend (2023-2028)
8.6.8 Manufacturing
8.6.8.1 Historical Trend (2018-2022)
8.6.8.2 Forecast Trend (2023-2028)
8.6.9 Others
8.7 Global Embedded Finance Market by Region
8.7.1 North America
8.7.1.1 Historical Trend (2018-2022)
8.7.1.2 Forecast Trend (2023-2028)
8.7.2 Europe
8.7.2.1 Historical Trend (2018-2022)
8.7.2.2 Forecast Trend (2023-2028)
8.7.3 Asia Pacific
8.7.3.1 Historical Trend (2018-2022)
8.7.3.2 Forecast Trend (2023-2028)
8.7.4 Latin America
8.7.4.1 Historical Trend (2018-2022)
8.7.4.2 Forecast Trend (2023-2028)
8.7.5 Middle East and Africa
8.7.5.1 Historical Trend (2018-2022)
8.7.5.2 Forecast Trend (2023-2028)
9 North America Embedded Finance Market Analysis
9.1 United States of America
9.1.1 Historical Trend (2018-2022)
9.1.2 Forecast Trend (2023-2028)
9.2 Canada
9.2.1 Historical Trend (2018-2022)
9.2.2 Forecast Trend (2023-2028)
10 Europe Embedded Finance Market Analysis
10.1 United Kingdom
10.1.1 Historical Trend (2018-2022)
10.1.2 Forecast Trend (2023-2028)
10.2 Germany
10.2.1 Historical Trend (2018-2022)
10.2.2 Forecast Trend (2023-2028)
10.3 France
10.3.1 Historical Trend (2018-2022)
10.3.2 Forecast Trend (2023-2028)
10.4 Italy
10.4.1 Historical Trend (2018-2022)
10.4.2 Forecast Trend (2023-2028)
10.5 Others
11 Asia Pacific Embedded Finance Market Analysis
11.1 China
11.1.1 Historical Trend (2018-2022)
11.1.2 Forecast Trend (2023-2028)
11.2 Japan
11.2.1 Historical Trend (2018-2022)
11.2.2 Forecast Trend (2023-2028)
11.3 India
11.3.1 Historical Trend (2018-2022)
11.3.2 Forecast Trend (2023-2028)
11.4 ASEAN
11.4.1 Historical Trend (2018-2022)
11.4.2 Forecast Trend (2023-2028)
11.5 Australia
11.5.1 Historical Trend (2018-2022)
11.5.2 Forecast Trend (2023-2028)
11.6 Others
12 Latin America Embedded Finance Market Analysis
12.1 Brazil
12.1.1 Historical Trend (2018-2022)
12.1.2 Forecast Trend (2023-2028)
12.2 Argentina
12.2.1 Historical Trend (2018-2022)
12.2.2 Forecast Trend (2023-2028)
12.3 Mexico
12.3.1 Historical Trend (2018-2022)
12.3.2 Forecast Trend (2023-2028)
12.4 Others
13 Middle East and Africa Embedded Finance Market Analysis
13.1 Saudi Arabia
13.1.1 Historical Trend (2018-2022)
13.1.2 Forecast Trend (2023-2028)
13.2 United Arab Emirate
13.2.1 Historical Trend (2018-2022)
13.2.2 Forecast Trend (2023-2028)
13.3 Nigeria
13.3.1 Historical Trend (2018-2022)
13.3.2 Forecast Trend (2023-2028)
13.4 South Africa
13.4.1 Historical Trend (2018-2022)
13.4.2 Forecast Trend (2023-2028)
13.5 Others
14 Market Dynamics
14.1 SWOT Analysis
14.1.1 Strengths
14.1.2 Weaknesses
14.1.3 Opportunities
14.1.4 Threats
14.2 Porter’s Five Forces Analysis
14.2.1 Supplier’s Power
14.2.2 Buyer’s Power
14.2.3 Threat of New Entrants
14.2.4 Degree of Rivalry
14.2.5 Threat of Substitutes
14.3 Key Indicators for Demand
14.4 Key Indicators for Price
15 Competitive Landscape
15.1 Market Structure
15.2 Company Profiles
15.2.1 Stripe, Inc.
15.2.1.1 Company Overview
15.2.1.2 Product Portfolio
15.2.1.3 Demographic Reach and Achievements
15.2.1.4 Certifications
15.2.2 Payrix Solutions, LLC
15.2.2.1 Company Overview
15.2.2.2 Product Portfolio
15.2.2.3 Demographic Reach and Achievements
15.2.2.4 Certifications
15.2.3 Cybrid Technology Inc.
15.2.3.1 Company Overview
15.2.3.2 Product Portfolio
15.2.3.3 Demographic Reach and Achievements
15.2.3.4 Certifications
15.2.4 Walnut Insurance Inc.
15.2.4.1 Company Overview
15.2.4.2 Product Portfolio
15.2.4.3 Demographic Reach and Achievements
15.2.4.4 Certifications
15.2.5 Lendflow Inc.
15.2.5.1 Company Overview
15.2.5.2 Product Portfolio
15.2.5.3 Demographic Reach and Achievements
15.2.5.4 Certifications
15.2.6 Finastra
15.2.6.1 Company Overview
15.2.6.2 Product Portfolio
15.2.6.3 Demographic Reach and Achievements
15.2.6.4 Certifications
15.2.7 Zopa Bank Limited
15.2.7.1 Company Overview
15.2.7.2 Product Portfolio
15.2.7.3 Demographic Reach and Achievements
15.2.7.4 Certifications
15.2.8 Fortis Payment Systems, LLC
15.2.8.1 Company Overview
15.2.8.2 Product Portfolio
15.2.8.3 Demographic Reach and Achievements
15.2.8.4 Certifications
15.2.9 Transcard Payments, LLC
15.2.9.1 Company Overview
15.2.9.2 Product Portfolio
15.2.9.3 Demographic Reach and Achievements
15.2.9.4 Certifications
15.2.10 Fluenccy Pty Limited.
15.2.10.1 Company Overview
15.2.10.2 Product Portfolio
15.2.10.3 Demographic Reach and Achievements
15.2.10.4 Certifications
15.2.11 Others
16 Key Trends and Developments in the Market
List of Key Figures and Tables
1. Global Embedded Finance Market: Key Industry Highlights, 2018 and 2028
2. Global Embedded Finance Historical Market: Breakup by Type (USD Billion), 2018-2022
3. Global Embedded Finance Market Forecast: Breakup by Type (USD Billion), 2023-2028
4. Global Embedded Finance Historical Market: Breakup by Business Model (USD Billion), 2018-2022
5. Global Embedded Finance Market Forecast: Breakup by Business Model (USD Billion), 2023-2028
6. Global Embedded Finance Historical Market: Breakup by End Use (USD Billion), 2018-2022
7. Global Embedded Finance Market Forecast: Breakup by End Use (USD Billion), 2023-2028
8. Global Embedded Finance Historical Market: Breakup by Region (USD Billion), 2018-2022
9. Global Embedded Finance Market Forecast: Breakup by Region (USD Billion), 2023-2028
10. North America Embedded Finance Historical Market: Breakup by Country (USD Billion), 2018-2022
11. North America Embedded Finance Market Forecast: Breakup by Country (USD Billion), 2023-2028
12. Europe Embedded Finance Historical Market: Breakup by Country (USD Billion), 2018-2022
13. Europe Embedded Finance Market Forecast: Breakup by Country (USD Billion), 2023-2028
14. Asia Pacific Embedded Finance Historical Market: Breakup by Country (USD Billion), 2018-2022
15. Asia Pacific Embedded Finance Market Forecast: Breakup by Country (USD Billion), 2023-2028
16. Latin America Embedded Finance Historical Market: Breakup by Country (USD Billion), 2018-2022
17. Latin America Embedded Finance Market Forecast: Breakup by Country (USD Billion), 2023-2028
18. Middle East and Africa Embedded Finance Historical Market: Breakup by Country (USD Billion), 2018-2022
19. Middle East and Africa Embedded Finance Market Forecast: Breakup by Country (USD Billion), 2023-2028
20. Global Embedded Finance Market Structure
Key Questions Answered in the Report
The market reached a value of nearly USD 59.4 billion in 2022.
The market is estimated to grow at a CAGR of 24.30% between 2023 and 2028.
The market is estimated to witness a healthy growth in the forecast period of 2023-2028 to reach a value of around USD 219.09 billion by 2028.
The heightened adoption of embedded payments across businesses to streamline cashflow, rapid digitalisation across the end-use sectors, and growing expansion of the e-commerce sector are the major drivers of the market.
The key trends in the market include the growing collaborations and partnerships between software companies to accelerate the adoption of embedded finance across businesses and with the integration of artificial intelligence (AI) with embedded financial services.
Embedded payment, embedded insurance, embedded investment, embedded banking, and embedded lending are the different types of embedded finance in the market.
Buy now, pay later (BNPL) services, banking services in ride sharing apps, and payment processing applications, among others, are some examples of embedded finance.
Stripe, Inc., Payrix Solutions, LLC, Cybrid Technology Inc., Walnut Insurance Inc., Lendflow Inc., Finastra, Zopa Bank Limited, Fortis Payment Systems, LLC, Transcard Payments, LLC, and Fluenccy Pty Limited., among others, are the key embedded finance market players, according to the report.
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