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Report Overview

2024

Base Year

2018-2024

Historical Year

2025-2034

Forecast Year

Global Embedded Finance Market Outlook

The global embedded finance market attained a value of nearly USD 73.83 billion in 2024. The market is projected to grow at a CAGR of 24.30% between 2025 and 2034 to reach a value of around USD 523.01 billion by 2034.

Global Embedded Finance Market Report Summary Description Value
Base Year USD Billion 2023
Historical Period USD Billion 2018-2024
Forecast Period USD Billion 2025-2034
Market Size 2024 USD Billion 73.83
Market Size 2034 USD Billion 523.01
CAGR 2018-2024 Percentage XX%
CAGR 2025-2034 Percentage 24.3%
CAGR 2025-2034 - Market by Region Asia Pacific 27.5%
CAGR 2025-2034 - Market by Country India 29.8%
CAGR 2025-2034 - Market by Country Brazil 26.7%
CAGR 2025-2034 - Market by Type Embedded Lending 27.9%
CAGR 2025-2034 - Market by End Use Retail 27.7%
Market Share by Country France 3.5%

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.

CAGR 2025-2034 - Market by Type
Embedded Lending 27.9%
Embedded Insurance 26.0%
Embedded Investment 24.8%
Embedded Payment XX%
Embedded Banking XX%

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.

CAGR 2025-2034 - Market by End Use
Retail 27.7%
Real Estate 25.3%
Healthcare 24.5%
Education XX%
IT and Telecom XX%
Others XX%
CAGR 2025-2034 - Market by Region
Asia Pacific 27.5%
North America 24.8%
Europe XX%
Latin America XX%
Middle East and Africa XX%
CAGR 2025-2034 - Market by Country
India 29.8%
UK 28.7%
Brazil 26.7%
USA 25.1%
Germany 25.1%
Canada XX%
France 24.1%
Italy XX%
China XX%
Japan XX%
Australia XX%
Saudi Arabia XX%
Mexico XX%

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.

Market Share by Country
France 3.5%
USA XX%
Canada XX%
UK XX%

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 2023
Historical Period 2018-2024
Forecast Period 2025-2034
Scope of the Report

Historical and Forecast Trends, Industry Drivers and Constraints, Historical and Forecast Market Analysis by Segment:

  • Type
  • Business Model
  • End Use
  • Region
Breakup by Type
  • Embedded Payment
  • Embedded Insurance
  • Embedded Investment
  • Embedded Banking
  • Embedded Lending
Breakup by Business Model
  • B2B
  • B2C
  • B2B2B
  • B2B2C
Breakup by End Use
  • Retail
  • Healthcare
  • Education
  • IT and Telecom
  • Real Estate
  • Mobility
  • Travel and Entertainment
  • Manufacturing
  • Others
Breakup by Region
  • North America
    • United States of America 
    • Canada
  • Europe
    • United Kingdom
    • Germany
    • France
    • Italy
    • Others
  • Asia Pacific
    • China
    • Japan
    • India
    • ASEAN
    • Australia
    • Others
  • Latin America
    • Brazil
    • Argentina
    • Mexico
    • Others
  • Middle East and Africa
    • Saudi Arabia
    • United Arab Emirates
    • Nigeria
    • South Africa
    • Others
Market Dynamics
  • SWOT Analysis
  • Porter's Five Forces Analysis
  • Key Indicators for Demand
  • Key Indicators for Price
Competitive Landscape
  • Market Structure
  • Company Profiles
    • Company Overview
    • Product Portfolio
    • Demographic Reach and Achievements
    • Certifications
Companies Covered
  • 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

*While we strive to always give you current and accurate information, the numbers depicted on the website are indicative and may differ from the actual numbers in the main report. At Expert Market Research, we aim to bring you the latest insights and trends in the market. Using our analyses and forecasts, stakeholders can understand the market dynamics, navigate challenges, and capitalize on opportunities to make data-driven strategic decisions.*

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Key Questions Answered in the Report

The market reached a value of nearly USD 73.83 billion in 2024.

The market is estimated to grow at a CAGR of 24.30% between 2025 and 2034.

The market is estimated to witness a healthy growth in the forecast period of 2025-2034 to reach a value of around USD 523.01 billion by 2034.

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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