According to the publisher, the Embedded Finance industry in United Kingdom is expected to grow by 27.6% on annual basis to reach US$ 7.76 billion in 2024.
The embedded finance industry is expected to grow steadily over the forecast period, recording a CAGR of 19.5% during 2024-2029. The embedded finance revenues in the country will increase from US$ 7.76 billion in 2024 to reach US$ 18.92 billion by 2029.
The embedded finance market in the UK is poised for continued growth as digitalization accelerates across industries and consumer preferences evolve. As technology continues to advance and regulatory support remains strong, embedded finance platforms are expected to play an increasingly important role in the UK's financial ecosystem, driving innovation, competition, and value creation. Cities such as London and Edinburgh have emerged as major hubs for fintech innovation in the UK. These cities offer access to talent, capital, and regulatory expertise, fostering a supportive ecosystem for startups and driving collaboration and innovation in the embedded finance space.
Major innovations embedded finance sector in the United Kingdom: Ever since the pandemic outbreak, the working capital demand has been on a consistent increase in the United Kingdom. The current macroeconomic environment has made capital access more difficult through traditional channels for small businesses and merchants. Consequently, embedded finance firms are raising capital to fund more businesses in the country.
In Apr 2024, Liberis, a UK-based embedded finance platform, has revealed a collaboration with Shop Circle Capital, an e-commerce software provider. Initially launching in the UK and US markets, the partnership plans to extend its services to other regions by the year’s end. This move comes as SMEs in the UK face an estimated funding gap of £22 billion, according to the Bank of England, while in the US, a significant portion of business owners struggle to secure the necessary funding, as highlighted by the U.S. Small Business Administration.
As the demand for working capital continues to grow among merchants and small businesses, the author expects more firms to raise funding from global private equity and venture capital firms. This will keep assisting the growth of the embedded finance market in the country.
Geographical Footprint: Globally, the demand for embedded finance solutions has surged significantly over the last three to four years, and the trend is expected to further grow from the short to medium-term perspective. To capitalize on the growing demand in the global market, UK-based firms are expanding their geographical footprint.
Market Players: The UK is home to a thriving ecosystem of fintech startups, traditional banks, technology companies, and other stakeholders in the embedded finance space. Major players include neobanks like Revolut and Monzo, payment processors like Stripe and Checkout.com, and e-commerce giants like Amazon and eBay, all of which are exploring opportunities to integrate financial services into their platforms.
This report provides a detailed data-centric analysis of the embedded finance industry, covering lending, insurance, payment, wealth and asset based finance sectors market opportunities and risks across a range of different sectors. With over 75+ KPIs at the country level, this report provides a comprehensive understanding of embedded finance market dynamics, market size and forecast.
It breaks down market opportunities by type of business model, consumer segment, and distribution models. In addition, it also provides detailed information across a range of different segment in each sector of embedded finance. KPI revenue help in getting an in-depth understanding of end market dynamics.
The research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
The embedded finance industry is expected to grow steadily over the forecast period, recording a CAGR of 19.5% during 2024-2029. The embedded finance revenues in the country will increase from US$ 7.76 billion in 2024 to reach US$ 18.92 billion by 2029.
The embedded finance market in the UK is poised for continued growth as digitalization accelerates across industries and consumer preferences evolve. As technology continues to advance and regulatory support remains strong, embedded finance platforms are expected to play an increasingly important role in the UK's financial ecosystem, driving innovation, competition, and value creation. Cities such as London and Edinburgh have emerged as major hubs for fintech innovation in the UK. These cities offer access to talent, capital, and regulatory expertise, fostering a supportive ecosystem for startups and driving collaboration and innovation in the embedded finance space.
Major innovations embedded finance sector in the United Kingdom: Ever since the pandemic outbreak, the working capital demand has been on a consistent increase in the United Kingdom. The current macroeconomic environment has made capital access more difficult through traditional channels for small businesses and merchants. Consequently, embedded finance firms are raising capital to fund more businesses in the country.
In Apr 2024, Liberis, a UK-based embedded finance platform, has revealed a collaboration with Shop Circle Capital, an e-commerce software provider. Initially launching in the UK and US markets, the partnership plans to extend its services to other regions by the year’s end. This move comes as SMEs in the UK face an estimated funding gap of £22 billion, according to the Bank of England, while in the US, a significant portion of business owners struggle to secure the necessary funding, as highlighted by the U.S. Small Business Administration.
As the demand for working capital continues to grow among merchants and small businesses, the author expects more firms to raise funding from global private equity and venture capital firms. This will keep assisting the growth of the embedded finance market in the country.
Geographical Footprint: Globally, the demand for embedded finance solutions has surged significantly over the last three to four years, and the trend is expected to further grow from the short to medium-term perspective. To capitalize on the growing demand in the global market, UK-based firms are expanding their geographical footprint.
Market Players: The UK is home to a thriving ecosystem of fintech startups, traditional banks, technology companies, and other stakeholders in the embedded finance space. Major players include neobanks like Revolut and Monzo, payment processors like Stripe and Checkout.com, and e-commerce giants like Amazon and eBay, all of which are exploring opportunities to integrate financial services into their platforms.
This report provides a detailed data-centric analysis of the embedded finance industry, covering lending, insurance, payment, wealth and asset based finance sectors market opportunities and risks across a range of different sectors. With over 75+ KPIs at the country level, this report provides a comprehensive understanding of embedded finance market dynamics, market size and forecast.
It breaks down market opportunities by type of business model, consumer segment, and distribution models. In addition, it also provides detailed information across a range of different segment in each sector of embedded finance. KPI revenue help in getting an in-depth understanding of end market dynamics.
The research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
Scope
This report provides in-depth, data-centric analysis of Embedded Finance industry in United Kingdom. Below is a summary of key market segments:United Kingdom Embedded Finance Market Size and Forecast
Embedded Finance by Key Sectors
- Retail
- Logistics
- Telecommunications
- Manufacturing
- Consumer Health
- Others
Embedded Finance by Business Model
- Platforms
- Enabler
- Regulatory Entity
Embedded Finance by Distribution Model
- Own Platforms
- Third Party Platforms
United Kingdom Embedded Insurance Market Size and Forecast
Embedded Insurance by Industry
- Embedded Insurance in Consumer Products
- Embedded Insurance in Travel & Hospitality
- Embedded Insurance in Automotive
- Embedded Insurance in Healthcare
- Embedded Insurance in Real Estate
- Embedded Insurance in Transport & Logistics
- Embedded Insurance in Others
Embedded Insurance by Consumer Segments
- B2B
- B2C
Embedded Insurance by Type of Offering
- Embedded Insurance in Product Segment
- Embedded Insurance in Service Segment
Embedded Insurance by Business Model
- Platforms
- Enabler
- Regulatory Entity
Embedded Insurance by Distribution Model
- Own Platforms
- Third Party Platforms
Embedded Insurance by Distribution Channel
- Embedded Sales
- Bancassurance
- Broker’s/IFA’s
- Tied Agents
Embedded Insurance by Insurance Type
- Embedded Insurance in Life Segment
- Embedded Insurance in Non-Life Segment
Embedded Insurance in Non-Life Segment
- Motor Vehicle
- Fire and Property
- Accident and Health
- General Liability
- Marine, Aviation and other Transport
- Other
United Kingdom Embedded Lending Market Size and Forecast
Embedded Lending by Consumer Segments
- Business Lending
- Retail Lending
Embedded Lending by B2B Sectors
- Embedded Lending in Retail & Consumer Goods
- Embedded Lending in IT & Software Services
- Embedded Lending in Media, Entertainment & Leisure
- Embedded Lending in Manufacturing & Distribution
- Embedded Lending in Real Estate
- Embedded Lending in Other
Embedded Lending by B2C Sectors
- Embedded Lending in Retail Shopping
- Embedded Lending in Home Improvement
- Embedded Lending in Leisure & Entertainment
- Embedded Lending in Healthcare and Wellness
- Embedded Lending in Other
Embedded Lending by Type
- BNPL Lending
- POS Lending
- Personal Loans
Embedded Lending by Business Model
- Platforms
- Enabler
- Regulatory Entity
Embedded Lending by Distribution Model
- Own Platforms
- Third Party Platforms
United Kingdom Embedded Payment Market Size and Forecast
Embedded Payment by Consumer Segments
- B2B
- B2C
Embedded Payment by End-Use Sector
- Embedded Payment in Retail & Consumer Goods
- Embedded Payment in Digital Products & Services
- Embedded Payment in Utility Bill Payment
- Embedded Payment in Travel & Hospitality
- Embedded Payment in Leisure & Entertainment
- Embedded Payment in Health & Wellness
- Embedded Payment in Office Supplies & Equipment
- Embedded Payment in Other
Embedded Payment by Business Model
- Platforms
- Enabler
- Regulatory Entity
Embedded Payment by Distribution Model
- Own Platforms
- Third Party Platforms
United Kingdom Embedded Wealth Management Market Size and Forecast
United Kingdom Asset Based Finance Management Industry Market Size and Forecast
Asset Based Finance by Type of Asset
- Hard Assets
- Soft Assets
Asset Based Finance by End Users
- SME’s
- Large Enterprises
Reasons to buy
- In-depth Understanding of Embedded Finance Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028).
- Insights into Opportunity by end-use sectors - Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.
- Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate embedded finance strategy; assess market specific key trends, drivers, and risks in the industry.
- Get Sector Insights: Drawing from proprietary survey results, this report identifies opportunities across embedded lending, embedded insurance, embedded finance, and embedded wealth sectors.
- Get insights at segment level, by the distribution model and by business model in key embedded finance segments
- Insights into the asset based finance market size and by type of assets, by end users.
Table of Contents
1. About this Report
2. United Kingdom Embedded Finance Industry Market Size and Forecast
3. United Kingdom Embedded Finance Industry Market Size and Forecast by End Use Industry
4. United Kingdom Embedded Finance Industry Market Size and Forecast by Business Model
5. United Kingdom Embedded Finance Industry Market Size and Forecast by Distribution Model
7. United Kingdom Embedded Insurance Industry Market Size and Forecast by End Use Industry
8. United Kingdom Embedded Insurance Industry Market Size and Forecast by Consumer Segment
9. United Kingdom Embedded Insurance Industry Market Size and Forecast by Type of Offering
10. United Kingdom Embedded Insurance Industry Market Size and Forecast by Business Model
11. United Kingdom Embedded Insurance Industry Market Size and Forecast by Distribution Model
12. United Kingdom Embedded Insurance Industry Market Size and Forecast by Distribution Channel
13. United Kingdom Embedded Insurance Industry Market Size and Forecast by Type of Insurance
14. United Kingdom Embedded Insurance Industry Market Size and Forecast by Non-Life Insurance
16. United Kingdom Embedded Lending Industry Market Size and Forecast by Consumer Segment
17. United Kingdom Embedded Lending Industry Market Size and Forecast by Business to Business (B2B) Sectors
18. United Kingdom Embedded Lending Industry Market Size and Forecast by Business to Consumer (B2C) Sectors
19. United Kingdom Embedded Lending Industry Market Size and Forecast by Type of Lending
20. United Kingdom Embedded Lending Industry Market Size and Forecast by Business Model
21. United Kingdom Embedded Lending Industry Market Size and Forecast by Distribution Model
23. United Kingdom Embedded Payment Industry Market Size and Forecast by End Use Segment
24. United Kingdom Embedded Payment Industry Market Size and Forecast by Consumer Segment
25. United Kingdom Embedded Payment Industry Market Size and Forecast by Business Model
26. United Kingdom Embedded Payment Industry Market Size and Forecast by Distribution Model
29. United Kingdom Asset Based Finance Industry Market Size and Forecast by Type of Assets
30. United Kingdom Asset Based Finance Industry Market Size and Forecast by End User
31. Further Reading
Table Information
| Report Attribute | Details |
|---|---|
| No. of Pages | 130 |
| Published | April 2024 |
| Forecast Period | 2024 - 2029 |
| Estimated Market Value ( USD | $ 7.8 Billion |
| Forecasted Market Value ( USD | $ 18.9 Billion |
| Compound Annual Growth Rate | 19.5% |
| Regions Covered | United Kingdom |
