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Global Embedded Finance Business and Investment Opportunities Report 2023: Market Expected to Grow 39.4% to $267.53 Billion by 2023

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Dublin, April 20, 2023 (GLOBE NEWSWIRE) — The report “Global Embedded Finance Business and Investment Opportunities – 50+ KPIs on Embedded Lending, Insurance, Payment, and Wealth Segments – Q1 2023 Update” has been added to ResearchAndMarkets.coms to offer.

The global Embedded Finance industry is expected to grow at an annualized rate of 39.4% to $267,530.2 million by 2023.

The embedded financial sector is expected to grow steadily over the forecast period, with a CAGR of 28.5% over the period 2023-2029. Embedded finance revenue in the country will rise from US$267,530.2 million in 2023 to US$862,171.7 million in 2029.

Globally, investment in the integrated finance sector has surged as both fintech companies and banking institutions seek to capitalize on the growing shift to embedded financial offerings. Digital platforms and companies are increasingly integrating financial services into their products and services to drive customer loyalty, revenue growth and convenience.

Private equity and venture capital firms also foresee strong growth in the industry, especially in countries like India, where the market will grow strongly as more consumers bank, invest, borrow and transact online. The market is also expected to see strong growth in the B2B embedded lending space as small businesses struggle to access working capital through traditional channels.

Integrated loans leading the growth of the embedded financial sector in the global market

The macroeconomic challenges faced by small and medium-sized businesses are driving demand for working capital worldwide. With merchants and retailers struggling to access credit through traditional channels due to rising interest rates, integrated lending providers around the world are experiencing strong growth.

In India, Rupifi announced that the company has provided more than INR 20 billion in loans to businesses since its inception in 2020. The company offers built-in credit solutions through leading B2B marketplaces across industries including FMCG, Pharma, Fashion and Electronics. .

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In the United States, Amazon has launched an advance payment feature for sellers on its platform. This feature will allow merchants to grow and scale their business, which will then drive the e-commerce giant’s revenue growth. Walmart, on the other hand, is also planning to introduce its “buy now, pay later” product to generate more revenue.

In Europe, many of the B2B BNPL providers have raised funding rounds to provide credit facilities to more merchants and retailers. The funding rounds indicate that global venture capital and private equity firms foresee growth in the B2B embedded payments space.

This trend is expected to continue over the next three to four years as the economic environment continues to drive demand for access to credit among small and medium-sized businesses worldwide.

The demand for embedded finance is growing significantly in the travel and tourism sector

Global travel activity has shown a strong rebound after two years of pandemic-induced restrictions. The pent-up demand for travel has also resulted in demand for integrated financing solutions, such as loans and insurance, at the cash register. As a result, companies forge strategic alliances and launch new products worldwide.

In Australia, Zip partnered with JetStar airlines to provide air travelers with a flexible payment solution at checkout. The service is expected to gain widespread popularity due to the rising cost of living and pent-up demand for travel.

In the United States, Afterpay partnered with Expedia, the global travel-based booking platform. The partnership will allow travelers to book flights, accommodations and other travel activities using the “Buy now, pay later” payment method.

In Europe, Visitors Coverage, the pan-European insurance company, launched an embedded software-as-a-service solution as demand for such solutions increased among travelers in the region.

From a short- to medium-term perspective, the author expects more of such strategic partnerships and product launches to meet the growing demand for integrated financial solutions among travelers.

Banking institutions can drive revenue growth by offering embedded financial services to small and medium-sized businesses

Digital platforms offer a range of financial services and have captured most of the embedded finance market in recent years. The growth of fintech companies has threatened the business of conventional banks, which have been left far behind by innovation and investment from digital platforms. However, the embedded finance sector is expected to grow significantly over the next three to four years, and conventional banks can still benefit from the expected growth.

According to a report from Accenture, integrated financing offerings from small and medium-sized businesses could generate as much as $92 billion in revenue for conventional banks by 2025. To capitalize on the growing market, banks need to strengthen and expand their relationships with consumers, while forging strategic alliances with leading digital platform providers.

By providing exceptional convenience and digital experiences, fintech companies have taken over the market share of banking institutions. As a result, traditional banking firms must also focus on delivering more value to their customers through innovative experience and customer service.

Region and countries included:

This report provides regional insights, along with an in-depth data-centric analysis of the Embedded Finance industry in Asia Pacific, covering over 50 KPIs for each region and country (650+ charts and 500+ tables in total).

Summary of key market segments for each country/region

Embedded finance market size and forecast

Integrated financing by key sectors





Consumer health


Integrated financing by business model


Someone who makes things possible

Regulatory Entity

Integrated financing by distribution model

Own platforms

Third Party Platforms

Market size and forecast for embedded insurance

Integrated insurance by industry

Embedded insurance in consumer products

Embedded insurance in travel and hospitality

Integrated insurance in the automotive sector

Embedded insurance in health care

Embedded real estate insurance

Embedded insurance in Transport & Logistics

Embedded insurance in others

Integrated insurance by consumer segment

Included insurance by type of offer

Integrated insurance by business model


Someone who makes things possible

Regulatory Entity

Embedded insurance by distribution model

Own platforms

Third Party Platforms

Integrated insurance by distribution channel

Integrated sales

Bank insurance


Bonded Agents

Included insurance by insurance type

Integrated insurance in the Non-life segment

Market size and forecast for embedded loans

Integrated loans by consumer segment

Business Loans

Retail Loans

Integrated lending by B2B sectors

Integrated lending in retail and consumer goods

Integrated loans in IT and software services

Integrated loans in media, entertainment and leisure

Integrated loans in production and distribution

Integrated loans in real estate

Integrated loans in Other

Integrated lending by B2C sectors

Integrated loans in retail stores

Integrated loans in home improvement

Integrated loans in leisure and entertainment

Integrated loans in healthcare and welfare

Integrated loans in Other

Integrated loans by type

BNPL Loans

POS Loans

Personal loans

Integrated loans by business model


Someone who makes things possible

Regulatory Entity

Integrated loans by distribution model

Own platforms

Third Party Platforms

Market size and forecast for embedded payments

Integrated payment by consumer segments

Embedded payment by end-use sector

Integrated payment in retail and consumer goods

Embedded payment in digital products and services

Integrated payment in payment of energy bill

Integrated payment in travel and hospitality

Integrated payment in leisure and entertainment

Integrated payment in health and wellness

Embedded payment in office supplies and equipment

Embedded payment in Other

Integrated payment by business model


Someone who makes things possible

Regulatory Entity

Integrated payment model via distribution model

Own platforms

Third Party Platforms

Market Size and Forecast for Embedded Wealth Management

Asset Based Financial Management Market Size and Forecast

Asset-based financing by asset type

Asset-based end-user financing

For more information on this report, please visit https://www.researchandmarkets.com/r/wy453d

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