Embedded Finance Market
Dublin, Jan. 13, 2025 (GLOBE NEWSWIRE) — The “Embedded Finance Market – Forecasts from 2025 to 2030” report has been added to ResearchAndMarkets.com’s offering.
The embedded finance market is expected to grow at a compound annual growth rate (CAGR) of 36.41% from US$146.171 billion in 2025 to US$690.386 billion in 2030.
The market growth is mainly attributed to the increasing popularity of online payment services, i.e., the growing demand for digital and convenient financial services is anticipated to drive the overall market growth. Furthermore, technological advancement, which provides seamless integration between non-financial and financial platforms, is making businesses secure to incorporate payment more conveniently.
The rising willingness of consumers to utilize integrated financial services and the rising adoption of financial services online platforms like e-commerce websites and safe online payments are also resulting in the embedded finance market growth in the future. For instance, in April 2024, Finzly launched Account Galaxy, a groundbreaking solution that empowers banks of all sizes to participate in the emerging embedded banking segment, overcoming limited participation due to the advanced technologies required.
In March 2023, SAP Fioneer launched its first B2B embedded finance platform, “Fioneer Embedded Finance as a Service,” which allowed Financial Service Institutions (FSIs) to connect to SAP Enterprise resource planning processes, enabling the development of innovative embedded finance solutions.
Embedded finance market drivers
The growing digitalization of business is projected to propel the embedded finance market expansion.
One of the prime reasons supporting the market growth is the growing inclination of businesses towards digitalization and the rising popularity of embedded finance services in every sector. Consumers around the globe are switching toward e-commerce, which is expected to augment the market growth during the forecast period. Moreover, as per the US Census Bureau of the Department of Commerce data of e-commerce, retail sales revenue in the U.S. increased from US$271.86 billion in the first quarter of 2023 to US$285.22 billion in the fourth quarter of 2023. Additionally, In Q4 2023, e-commerce sales accounted for 15.6% of total sales.
Moreover, increasing digitalization has given acceptance to various services like consumer lending and UPI payments and MasterCard payment acceptance has also seen a massive rise in the business sectors. For instance, in January 2024, Cybrid, a provider of embedded finance API solutions, expanded its platform to include B2B payment capabilities.
Embedded finance market geographical outlook
The embedded finance market in India is affected by various factors, such as the growth of extensive mobile and internet connectivity in the country coupled with a robust tech ecosystem. For instance- as per Internet in India Report 2023, the active internet users in the country have crossed the 800 million mark.
Moreover, India is a fast-rising country with vibrant technological ecosystems; thereby, the penetration of embedded finance services is anticipated to grow at a significant pace till the forecast period. For instance- as per the IBEF, the embedded finance businesses in the country are expected to grow at a CAGR of 45% in the coming years.
In addition, the rapid growth of e-commerce platforms in developing economies such as India provides further impetus to embedded finance services. This is because online retailers are integrating various financial services, such as BNPL solutions, digital wallets, and instant loans, directly into their platforms to provide the utmost ease to users across the country.
Besides that, as per the estimates from PIB, the UPI transactions have multifold in the country, from 92 crore in the year 2017-18 to 8,375 crore in 2022-23, thereby growing at a CAGR of 147% in terms of volume. This represents lucrative opportunities as the larger adoption of UPI payments in India can act as a major catalyst for propelling the expansion of the embedded finance market.
The major collaboration among key players coupled with mergers and acquisitions in the market spurs innovation, broadens consumer options, and eventually boosts market growth and attracts new customers. Successful launches may improve market share, strengthen retailer relationships, and create new market segments, all while boosting total sales and industry progress.
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Companies Featured
- Stripe, Inc.
- FIS (PAYRIX)
- Cybrid Technology Inc.
- Walnut Insurance Inc
- Lendflow
- Finastra
- Zopa Bank Limited
- Fortis Payment Systems, LLC
- Transcard Payments
- Fluenccy Pty Limited
- Qover
Key Attributes:
| Report Attribute | Details |
| No. of Pages | 149 |
| Forecast Period | 2025 – 2030 |
| Estimated Market Value (USD) in 2025 | $146.17 Billion |
| Forecasted Market Value (USD) by 2030 | $690.39 Billion |
| Compound Annual Growth Rate | 36.4% |
| Regions Covered | Global |
Key Topics Covered:
1. INTRODUCTION
1.1. Market Overview
1.2. Market Definition
1.3. Scope of the Study
1.4. Market Segmentation
2. RESEARCH METHODOLOGY
2.1. Research Design
2.2. Research Process
3. EXECUTIVE SUMMARY
3.1. Key Findings
3.2. Analyst View
4. MARKET DYNAMICS
4.1. Market Drivers
4.2. Market Restraints
4.3. Porter’s Five Forces Analysis
4.4. Industry Value Chain Analysis
5. EMBEDDED FINANCE MARKET BY TYPE
5.1. Introduction
5.2. Embedded Payment
5.3. Embedded Insurance
5.4. Embedded Investment
5.5. Embedded Lending
5.6. Embedded Banking
6. EMBEDDED FINANCE MARKET BY BUSINESS MODEL
6.1. Introduction
6.2. B2B
6.3. B2C
6.4. B2B2B
6.5. B2B2C
7. EMBEDDED FINANCE MARKET BY END USERS
7.1. Introduction
7.2. Retail
7.3. Healthcare
7.4. Logistics
7.5. Manufacturing
7.6. Travel & Entertainment
7.7. Others
8. EMBEDDED FINANCE MARKET BY GEOGRAPHY
8.1. Introduction
8.2. North America
8.2.1. By Type
8.2.2. By Business Model
8.2.3. By End Users
8.2.4. By Country
8.2.4.1. United States
8.2.4.2. Canada
8.2.4.3. Mexico
8.3. South America
8.3.1. By Type
8.3.2. By Business Model
8.3.3. By End Users
8.3.4. By Country
8.3.4.1. Brazil
8.3.4.2. Argentina
8.3.4.3. Others
8.4. Europe
8.4.1. By Type
8.4.2. By Business Model
8.4.3. By End Users
8.4.4. By Country
8.4.4.1. United Kingdom
8.4.4.2. Germany
8.4.4.3. France
8.4.4.4. Spain
8.4.4.5. Others
8.5. Middle East and Africa
8.5.1. By Type
8.5.2. By Business Model
8.5.3. By End Users
8.5.4. By Country
8.5.4.1. Saudi Arabia
8.5.4.2. UAE
8.5.4.3. Israel
8.5.4.4. Others
8.6. Asia Pacific
8.6.1. By Type
8.6.2. By Business Model
8.6.3. By End Users
8.6.4. By Country
8.6.4.1. Japan
8.6.4.2. China
8.6.4.3. India
8.6.4.4. South Korea
8.6.4.5. Indonesia
8.6.4.6. Thailand
8.6.4.7. Others
9. COMPETITIVE ENVIRONMENT AND ANALYSIS
9.1. Major Players and Strategy Analysis
9.2. Market Share Analysis
9.3. Mergers, Acquisitions, Agreements, and Collaborations
9.4. Competitive Dashboard
10. COMPANY PROFILES
10.1. Stripe, Inc.
10.2. FIS (PAYRIX)
10.3. Cybrid Technology Inc.
10.4. Walnut Insurance Inc
10.5. Lendflow
10.6. Finastra
10.7. Zopa Bank Limited
10.8. Fortis Payment Systems, LLC
10.9. Transcard Payments
10.10. Fluenccy Pty Limited
10.11. Qover
For more information about this report visit https://www.researchandmarkets.com/r/11fqxk
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Attachment
- Embedded Finance Market
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