Embedded Finance: Key Trends, Segment Analysis & Market Forecasts 2022-2027

The latest Embedded Finance research provides in-depth analysis and evaluation of how this environment is rapidly emerging and evolving; delivering critical insights on the changing state of adoption, key vendors driving the evolution of the market and their future prospects. It also provides an evaluation of the market progress of embedded finance across various segments, and what its rise means in terms of future opportunities for stakeholders in the embedded finance ecosystem. The study contains the Competitor Leaderboard; positioning 19 key embedded finance vendors.

The research into the embedded finance industry within the digital lending sector provides insightful analysis of the growth potential and infrastructure readiness factors for embedded finance, including the growth of open APIs (Application Programming Interfaces) and Open Banking. It also features a comprehensive forecast suite, encompassing embedded finance adoption and market share revenue across a range of segments:

• Embedded Banking (split by consumer and B2B [Business-to-Business])
• Embedded Payments (split by consumer and B2B)
• Embedded Lending (split by mobile and online)
• Embedded Insurance (split by mobile and online)
• Embedded Investments

This research suite comprises:

• Market Trends & Strategies (PDF)
• Competitor Leaderboard (PDF)
• Data & Forecasts (PDF & Excel)
• 12 Months' Access to harvest Online Data Platform

Key Market Statistics

Market size in 2021:

• $43bn

Market size in 2026:

• $138bn

2021 to 2026 CAGR:

• 215%

Key Features

Sector Dynamics: Analysis of key trends and primary challenges across the emerging embedded finance space, including the following elements:

• Open Banking and what is needed to support embedded finance
• Key challenges restricting growth and how these can be overcome
• How BaaS (Banking-as-a-Service) will enable new entrants
• Capturing the B2B embedded finance opportunity
• Segment Assessment & Future Outlook: Specific assessment of how embedded finance is going to fare across several different verticals in the future market, including embedded banking, embedded payments, embedded insurance, embedded investments and embedded lending, as well as a future outlook for the overall market growth.

Key Takeaways & Strategic Recommendations: Key opportunities for vendors highlighted across the embedded finance landscape; making for important reading for key stakeholders within the financial services industry when setting their future strategies.

Benchmark Industry Forecasts: 5-year forecasts are provided for embedded finance adoption and revenue streams, split by embedded banking (split by consumer and B2B), embedded payments (split by consumer and B2B), embedded lending (split by mobile and online), embedded insurance (split by mobile and online) and embedded investments. The data is also split by our 8 key forecast regions and 60 key countries:

North America:

• Canada, US

Latin America:

• Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay

West Europe:

• Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK

Central & East Europe:

• Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine

Far East & China:

• China, Hong Kong, Japan, South Korea

Indian Subcontinent:

• Bangladesh, India, Nepal, Pakistan

Rest of Asia Pacific:

• Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam

Africa & Middle East:

• Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates

The Competitor Leaderboard: Key player capability and capacity assessment for 19 embedded finance vendors across the competitive landscape, via the the Competitor Leaderboard:

• Bankable
• Banxware
• Bond
• Cross River
• Finix
• Flywire
• Jifiti
• Marqeta
• OpenPayd
• Plaid
• Q2
• Railsr
• SoFi
• Stripe
• Synapse
• Tink
• UNIPaaS Payment Technologies
• Vodeno
• Weavr

Key Questions Answered

• What trends are driving the growth of embedded finance?
• What are the most significant and profitable uses of embedded finance?
• Who are the leading vendors for embedded finance and what are they doing successfully?
• What is the predicted value of the embedded finance market by 2027?
• What challenges are the market and its stakeholders likely to face?

Key Market Forecast Splits

• Embedded Banking (split by consumer and B2B)
• Embedded Payments (split by consumer and B2B)
• Embedded Lending (split by mobile and online)
• Embedded Insurance (split by mobile and online)
• Embedded Investments

Data is split by adoption in terms of users, usage and revenue associated with this.

Geographical splits: 60 countries
Number of tables: 136 tables
Number of datapoints: Over 61,000 datapoints

Harvest: Our online data platform, harvest, contains the very latest market data and is updated throughout the year. This is a fully featured platform enabling clients to better understand key data trends and manipulate charts and tables; overlaying different forecasts within the one chart - using the comparison tool. Empower your business with our market intelligence centre, and receive alerts whenever your data is updated.

Interactive Excels (IFxl): Our IFxl tool enables clients to manipulate both forecast data and charts, within an Excel environment, to test their own assumptions using the interactive scenario tool and compare selected markets side by side in customised charts and tables. IFxls greatly increase a client’s ability to both understand a particular market and to integrate their own views into the model.