TABLE OF CONTENTS
1 INTRODUCTION (Page No. - 25)
1.1 STUDY OBJECTIVES
1.2 MARKET DEFINITION
1.3 STUDY SCOPE
1.3.1 MARKET SEGMENTATION
1.3.2 REGIONS COVERED
1.3.3 INCLUSIONS & EXCLUSIONS
1.3.4 YEARS CONSIDERED
1.4 CURRENCY CONSIDERED
1.5 STAKEHOLDERS
1.6 RECESSION IMPACT
2 RESEARCH METHODOLOGY (Page No. - 29)
2.1 RESEARCH DATA
2.1.1 SECONDARY DATA
2.1.1.1 Key data from secondary sources
2.1.2 PRIMARY DATA
2.1.2.1 Breakup of primary interviews
2.1.2.2 Key primary interview participants
2.1.2.3 Key insights from industry experts
2.2 MARKET BREAKUP AND DATA TRIANGULATION
2.3 MARKET SIZE ESTIMATION METHODOLOGY
2.3.1 TOP-DOWN APPROACH
2.3.1.1 Supply-side analysis
2.3.2 BOTTOM-UP APPROACH
2.3.3 EMBEDDED FINANCE MARKET ESTIMATION: DEMAND-SIDE ANALYSIS
2.4 RESEARCH ASSUMPTIONS
2.5 LIMITATIONS
2.6 RISK ASSESSMENT
2.7 IMPLICATION OF RECESSION ON MARKET
3 EXECUTIVE SUMMARY (Page No. - 38)
4 PREMIUM INSIGHTS (Page No. - 40)
4.1 ATTRACTIVE OPPORTUNITIES FOR KEY PLAYERS IN MARKET
4.2 MARKET: TOP GROWING SEGMENTS
4.3 EMBEDDED FINANCE MARKET, BY INDUSTRY
4.4 MARKET, BY BUSINESS MODEL
4.5 MARKET, BY TYPE
4.6 NORTH AMERICA: MARKET, BY TYPE AND BUSINESS MODEL
5 MARKET OVERVIEW AND INDUSTRY TRENDS (Page No. - 43)
5.1 INTRODUCTION
5.2 MARKET DYNAMICS
5.2.1 DRIVERS
5.2.1.1 Digitalization of financial services
5.2.1.2 Consumer demand for convenience
5.2.1.3 Technological advancements
5.2.2 RESTRAINTS
5.2.2.1 Regulatory complexities
5.2.2.2 Data privacy concerns
5.2.2.3 High implementation costs
5.2.3 OPPORTUNITIES
5.2.3.1 Financial inclusion
5.2.3.2 Enhanced customer engagement
5.2.4 CHALLENGES
5.2.4.1 Cybersecurity risks
5.2.4.2 Interoperability issues
5.2.4.3 Market competition
5.3 INDUSTRY TRENDS
5.3.1 BRIEF HISTORY OF EMBEDDED FINANCE
5.3.2 ECOSYSTEM ANALYSIS
5.3.3 CASE STUDY ANALYSIS
5.3.3.1 Booksy switched to Stripe for faster payouts and omnichannel payments
5.3.3.2 With Plaid, Zip automated essential compliance work, securing shopping experience for millions of customers
5.3.3.3 Shopify built Shopify Balance with Stripe to give small businesses easier way to manage money
5.3.3.4 Adorama and PayPal’s solutions created picture-perfect portrait of success
5.3.4 VALUE CHAIN ANALYSIS
5.3.5 REGULATORY LANDSCAPE
5.3.5.1 Regulatory Bodies, Government Agencies, and Other Organizations
5.3.5.1.1 Financial Stability Board (FSB)
5.3.5.1.2 Consumer Financial Protection Bureau (CFPB)
5.3.5.2 North America
5.3.5.2.1 US
5.3.5.2.2 Canada
5.3.5.3 Europe
5.3.5.4 Asia Pacific
5.3.5.4.1 Australia
5.3.5.4.2 Singapore
5.3.5.4.3 Hong Kong
5.3.5.5 Middle East & Africa
5.3.5.5.1 UAE
5.3.5.5.2 South Africa
5.3.5.6 Latin America
5.3.5.6.1 Brazil
5.3.6 PRICING ANALYSIS
5.3.6.1 Indicative pricing analysis, by type
5.3.6.2 Average pricing analysis, by solution
5.3.7 TECHNOLOGY ANALYSIS
5.3.7.1 Key Technologies
5.3.7.1.1 Application Programming Interfaces (APIs)
5.3.7.1.2 Cloud Computing
5.3.7.1.3 Artificial Intelligence (AI) and Machine Learning (ML)
5.3.7.2 Complementary Technologies
5.3.7.2.1 Open Banking
5.3.7.2.2 Biometrics
5.3.7.2.3 Blockchain
5.3.7.3 Adjacent Technologies
5.3.7.3.1 Internet of Things (IoT)
5.3.7.3.2 Big Data Analytics
5.3.7.3.3 Regulatory Technology (RegTech)
5.3.8 PATENT ANALYSIS
5.3.8.1 List of major patents
5.3.9 PORTER’S FIVE FORCES’ ANALYSIS
5.3.9.1 Threat of new entrants
5.3.9.2 Threat of substitutes
5.3.9.3 Bargaining power of suppliers
5.3.9.4 Bargaining power of buyers
5.3.9.5 Intensity of competitive rivalry
5.3.10 TRENDS/DISRUPTIONS IMPACTING CUSTOMERS’ BUSINESSES
5.3.11 KEY STAKEHOLDERS AND BUYING CRITERIA
5.3.11.1 Key stakeholders in buying process
5.3.11.2 Buying criteria
5.3.12 KEY CONFERENCES AND EVENTS
5.3.13 TECHNOLOGY ROADMAP FOR EMBEDDED FINANCE MARKET
5.3.13.1 Short-term roadmap (2023–2025)
5.3.13.2 Mid-term roadmap (2026–2028)
5.3.13.3 Long-term roadmap (2029–2030)
5.3.14 BEST PRACTICES IN MARKET
5.3.14.1 Integrate Financial Services Seamlessly
5.3.14.2 Prioritize Compliance and Security
5.3.14.3 Offer Personalized Financial Services
5.3.14.4 Focus on User-centric Design
5.3.14.5 Leverage Data Analytics and Insights
5.3.15 CURRENT AND EMERGING BUSINESS MODELS
5.3.15.1 Subscription-based Model
5.3.15.2 Pay-per-use Model
5.3.15.3 Freemium Model
5.3.15.4 Transaction-based Model
5.3.15.5 Advertising-based Model
5.3.16 THREE MODELS OF EMBEDDED PAYMENTS
5.3.16.1 Referral partnership
5.3.16.2 Payment facilitation
5.3.16.3 Payment facilitation-as-a-service
5.3.17 EMBEDDED FINANCE MARKET: TOOLS, FRAMEWORKS, AND TECHNIQUES
5.3.18 INVESTMENT AND FUNDING SCENARIO
6 EMBEDDED FINANCE MARKET, BY TYPE (Page No. - 71)
6.1 INTRODUCTION
6.1.1 TYPE: MARKET DRIVERS
6.2 EMBEDDED PAYMENTS
6.2.1 STREAMLINED INTEGRATION OF PAYMENT PROCESSING INTO NON-FINANCIAL PLATFORMS TO ENHANCE USER EXPERIENCE AND BOOST TRANSACTION EFFICIENCY
6.3 EMBEDDED LENDING
6.3.1 SIMPLIFIES FINANCING OPTIONS AND BOOSTS CONSUMER SPENDING AND LOYALTY BY INTEGRATING CREDIT AND LOAN SERVICES DIRECTLY WITHIN PLATFORMS
6.4 EMBEDDED INSURANCE
6.4.1 IMPROVES CUSTOMER SATISFACTION AND TRANSACTION VALUE BY OFFERING PERSONALIZED COVERAGE SOLUTIONS SEAMLESSLY INTEGRATED INTO TRANSACTIONS
6.5 EMBEDDED INVESTMENT/WEALTH MANAGEMENT
6.5.1 INTEGRATION OF FINANCIAL ADVISORY AND INVESTMENT SERVICES WITHIN DIGITAL PLATFORMS TO PROVIDE COMPREHENSIVE FINANCIAL SOLUTIONS, ENHANCING USER ENGAGEMENT AND SATISFACTION
6.6 OTHER TYPES
7 EMBEDDED FINANCE MARKET, BY BUSINESS MODEL (Page No. - 79)
7.1 INTRODUCTION
7.1.1 BUSINESS MODEL: MARKET DRIVERS
7.2 B2B
7.2.1 ENHANCES EFFICIENCY AND SCALABILITY IN BUSINESS OPERATIONS, DRIVING INNOVATION IN TRANSACTION MANAGEMENT AND FINANCIAL INSIGHTS.
7.3 B2C
7.3.1 IMPROVES CONVENIENCE AND LOYALTY IN CONSUMER-FACING PLATFORMS, ENHANCING SHOPPING EXPERIENCES WITH SEAMLESS PAYMENT SOLUTIONS.
8 EMBEDDED FINANCE MARKET, BY INDUSTRY (Page No. - 84)
8.1 INTRODUCTION
8.1.1 INDUSTRY: MARKET DRIVERS
8.2 RETAIL & E-COMMERCE
8.2.1 ENHANCING SALES AND CHECKOUT EXPERIENCES WITH SEAMLESS PAYMENTS AND CREDIT SERVICES
8.2.2 USE CASES
8.2.2.1 E-commerce platforms enabling embedded lending solutions for MSMEs
8.3 HEALTHCARE
8.3.1 SIMPLIFYING MEDICAL BILLING AND IMPROVING AFFORDABILITY THROUGH INSTALLMENT PLANS AND SPECIALIZED FINANCING SOLUTIONS
8.3.2 USE CASES
8.3.2.1 Optional add-on travel insurance offered by Indian Railways while booking tickets online
8.4 EDUCATION
8.4.1 STREAMLINING GLOBAL TUITION PAYMENTS AND STUDENT LOANS, IMPROVING FINANCIAL MANAGEMENT FOR INSTITUTIONS AND STUDENTS.
8.4.2 USE CASES
8.4.2.1 Personalized education finance solutions by EdTech companies
8.5 TELECOM
8.5.1 EXPANDING MOBILE BANKING AND DIGITAL PAYMENTS, FOSTERING FINANCIAL INCLUSION THROUGH PARTNERSHIPS WITH TELECOM OPERATORS
8.6 TRANSPORTATION, MOBILITY, AND LOGISTICS
8.6.1 OPTIMIZING PAYMENTS FOR RIDESHARING AND LOGISTICS, ENHANCING OPERATIONAL EFFICIENCY
8.6.2 USE CASES
8.6.2.1 Seamless payments and micro-insurance integration in ride-hailing apps
8.7 TRAVEL & HOSPITALITY
8.7.1 OFFERING SEAMLESS PAYMENT OPTIONS AND ENHANCING BOOKING EXPERIENCES
8.8 OTHER INDUSTRIES
8.8.1 USE CASES
8.8.1.1 Integrated payments and home loan services on real estate aggregator platforms
8.8.1.2 AgriTech platforms offering integrated finance for farmers
9 EMBEDDED FINANCE MARKET, BY REGION (Page No. - 95)
9.1 INTRODUCTION
9.2 NORTH AMERICA
9.2.1 NORTH AMERICA: MARKET DRIVERS
9.2.2 NORTH AMERICA: RECESSION IMPACT
9.2.3 US
9.2.3.1 Embedded finance platforms to fundamentally reshape traditional banking services in US by embedding financial capabilities into everyday consumer experiences
9.2.4 CANADA
9.2.4.1 Uptake of embedded finance solutions in Canada to reflect growing preference among tech-savvy consumers for integrated financial experiences that simplify transactions and enhance financial management
9.3 EUROPE
9.3.1 EUROPE: EMBEDDED FINANCE MARKET DRIVERS
9.3.2 EUROPE: RECESSION IMPACT
9.3.3 UK
9.3.3.1 Consumers to favor convenience and accessibility offered by mobile banking apps that provide traditional banking services as well as incorporate advanced features
9.3.4 GERMANY
9.3.4.1 Fintech startups partnering with traditional financial institutions to integrate banking services into retail and digital platforms, catering to evolving consumer preferences for convenience and efficiency
9.3.5 FRANCE
9.3.5.1 French regulators to play pivotal role in creating favorable environment for fintech innovations
9.3.6 ITALY
9.3.6.1 Key stakeholders in Italy's embedded finance ecosystem encompass adapting to digital transformation alongside agile fintech enterprises leveraging technology to innovate financial solutions
9.3.7 SPAIN
9.3.7.1 Spain witnessing surge in adoption of embedded finance solutions, underscoring broader trend toward integrating financial services into non-financial digital platforms
9.3.8 REST OF EUROPE
9.4 ASIA PACIFIC
9.4.1 ASIA PACIFIC: EMBEDDED FINANCE MARKET DRIVERS
9.4.2 ASIA PACIFIC: RECESSION IMPACT
9.4.3 CHINA
9.4.3.1 Consumers increasingly rely on digital platforms for everything, from everyday purchases to sophisticated financial planning
9.4.4 JAPAN
9.4.4.1 Plaid, Stripe, and Wallester to be pivotal in shaping future of financial services in Japan
9.4.5 INDIA
9.4.5.1 Digital payments through embedded finance solutions in India witnessed remarkable surge of 183% year-on-year in transaction volumes
9.4.6 AUSTRALIA & NEW ZEALAND
9.4.6.1 Adoption of embedded finance solutions in Australia witnessed notable uptick, with 30% increase in digital wallet transactions compared to previous year
9.4.7 REST OF ASIA PACIFIC
9.5 MIDDLE EAST & AFRICA
9.5.1 MIDDLE EAST & AFRICA: EMBEDDED FINANCE MARKET DRIVERS
9.5.2 MIDDLE EAST & AFRICA: RECESSION IMPACT
9.5.3 GCC COUNTRIES
9.5.3.1 GCC's strategic location and role as global business hub to amplify potential of embedded finance to drive economic diversification and enhance financial inclusion
9.5.3.2 UAE
9.5.3.2.1 Partnerships between e-commerce platforms and financial institutions to enable seamless payment experiences and enhanced customer satisfaction
9.5.3.3 KSA
9.5.3.3.1 Surge in partnerships between fintech companies and traditional businesses in KSA to drive market growth
9.5.3.4 Rest of GCC Countries
9.5.4 SOUTH AFRICA
9.5.4.1 Mobile-centric economy where significant portion of population accesses financial services through smartphones to drive market growth in South Africa
9.5.5 REST OF MIDDLE EAST & AFRICA
9.6 LATIN AMERICA
9.6.1 LATIN AMERICA: EMBEDDED FINANCE MARKET DRIVERS
9.6.2 LATIN AMERICA: RECESSION IMPACT
9.6.3 BRAZIL
9.6.3.1 Brazil's robust digital infrastructure, including high smartphone penetration and increasing internet connectivity, to drive market growth
9.6.4 MEXICO
9.6.4.1 Mexico's supportive regulatory environment and growing fintech ecosystem, facilitating collaborations, to drive innovation and broaden scope of financial solutions available to consumers
9.6.5 REST OF LATIN AMERICA
10 COMPETITIVE LANDSCAPE (Page No. - 138)
10.1 INTRODUCTION
10.2 KEY PLAYER STRATEGIES/RIGHT TO WIN
10.3 REVENUE ANALYSIS
10.4 MARKET SHARE ANALYSIS
10.4.1 MARKET RANKING ANALYSIS
10.5 COMPANY EVALUATION MATRIX: KEY PLAYERS, 2023
10.5.1 STARS
10.5.2 EMERGING LEADERS
10.5.3 PERVASIVE PLAYERS
10.5.4 PARTICIPANTS
10.5.5 COMPANY FOOTPRINT: KEY PLAYERS, 2023
10.6 COMPANY EVALUATION MATRIX: STARTUPS/SMES, 2023
10.6.1 PROGRESSIVE COMPANIES
10.6.2 RESPONSIVE COMPANIES
10.6.3 DYNAMIC COMPANIES
10.6.4 STARTING BLOCKS
10.6.5 COMPETITIVE BENCHMARKING
10.7 COMPETITIVE SCENARIO AND TRENDS
10.7.1 PRODUCT LAUNCHES
10.7.2 DEALS
10.8 BRAND/PRODUCT COMPARISON ANALYSIS
10.9 COMPANY VALUATION AND FINANCIAL METRICS OF KEY EMBEDDED FINANCE PROVIDERS
11 COMPANY PROFILES (Page No. - 157)
11.1 KEY PLAYERS
11.1.1 STRIPE, INC.
11.1.1.1 Business overview
11.1.1.2 Products/Solutions/Services offered
11.1.1.3 Recent developments
11.1.1.4 MnM view
11.1.1.4.1 Right to win
11.1.1.4.2 Strategic choices
11.1.1.4.3 Weaknesses and competitive threats
11.1.2 PAYPAL HOLDINGS, INC.
11.1.2.1 Business overview
11.1.2.2 Products/Solutions/Services offered
11.1.2.3 Recent developments
11.1.2.4 MnM view
11.1.2.4.1 Right to win
11.1.2.4.2 Strategic choices
11.1.2.4.3 Weaknesses and competitive threats
11.1.3 AMAZON.COM, INC.
11.1.3.1 Business overview
11.1.3.2 Products/Solutions/Services offered
11.1.3.3 Recent developments
11.1.3.4 MnM view
11.1.3.4.1 Right to win
11.1.3.4.2 Strategic choices
11.1.3.4.3 Weaknesses and competitive threats
11.1.4 FIS
11.1.4.1 Business overview
11.1.4.2 Products/Solutions/Services offered
11.1.4.3 Recent developments
11.1.4.4 MnM view
11.1.4.4.1 Right to win
11.1.4.4.2 Strategic choices
11.1.4.4.3 Weaknesses and competitive threats
11.1.5 VISA INC.
11.1.5.1 Business overview
11.1.5.2 Products/Solutions/Services offered
11.1.5.3 Recent developments
11.1.5.4 MnM view
11.1.5.4.1 Right to win
11.1.5.4.2 Strategic choices
11.1.5.4.3 Weaknesses and competitive threats
11.1.6 PLAID, INC.
11.1.6.1 Business overview
11.1.6.2 Products/Solutions/Services offered
11.1.6.3 Recent developments
11.1.7 KLARNA BANK AB
11.1.7.1 Business overview
11.1.7.2 Products/Solutions/Services offered
11.1.7.3 Recent developments
11.1.8 CROSS RIVER BANK
11.1.8.1 Business overview
11.1.8.2 Products/Solutions/Services offered
11.1.8.3 Recent developments
11.1.9 ZETA SERVICES INC.
11.1.9.1 Business overview
11.1.9.2 Products/Solutions/Services offered
11.1.9.3 Recent developments
11.1.10 MARQETA, INC.
11.1.10.1 Business overview
11.1.10.2 Products/Solutions/Services offered
11.1.10.3 Recent developments
11.1.11 WISE PAYMENTS LIMITED
11.1.12 GOLDMAN SACHS
11.1.13 JPMORGAN CHASE & CO.
11.1.14 ALIPAY+
11.2 STARTUPS/SMES
11.2.1 UNIT FINANCE INC.
11.2.2 SOLARIS SE
11.2.3 PARAFIN, INC.
11.2.4 BELVO
11.2.5 KASKO LTD.
11.2.6 TINT TECHNOLOGIES INC.
11.2.7 MEZU, INC.
11.2.8 FORTIS PAYMENT SYSTEMS
11.2.9 ADDITIV AG
11.2.10 GALILEO FINANCIAL TECHNOLOGIES, LLC
11.2.11 TREVIPAY
12 ADJACENT/RELATED MARKETS (Page No. - 211)
12.1 INTRODUCTION
12.1.1 LIMITATIONS
12.2 DIGITAL PAYMENT MARKET
12.2.1 MARKET DEFINITION
12.2.2 MARKET OVERVIEW
12.3 SOLUTIONS
12.3.1 DIGITAL PAYMENT MARKET, BY TRANSACTION TYPE
12.3.2 DIGITAL PAYMENT MARKET, BY PAYMENT MODE
12.3.3 DIGITAL PAYMENT MARKET, BY VERTICAL
12.3.4 DIGITAL PAYMENT MARKET, BY REGION
12.4 PAYMENT PROCESSING SOLUTIONS MARKET
12.4.1 MARKET DEFINITION
12.4.2 MARKET OVERVIEW
12.4.3 PAYMENT PROCESSING SOLUTIONS, BY PAYMENT METHOD
12.4.4 PAYMENT PROCESSING SOLUTIONS MARKET, BY VERTICAL
12.4.5 PAYMENT PROCESSING SOLUTIONS MANAGEMENT MARKET, BY REGION
13 APPENDIX (Page No. - 220)
13.1 DISCUSSION GUIDE
13.2 KNOWLEDGESTORE: MARKETSANDMARKETS’ SUBSCRIPTION PORTAL
13.3 CUSTOMIZATION OPTIONS
13.4 RELATED REPORTS
13.5 AUTHOR DETAILS
LIST OF TABLES (207 Tables)
TABLE 1 USD EXCHANGE RATES, 2021–2023
TABLE 2 KEY PRIMARY INTERVIEW PARTICIPANTS
TABLE 3 RESEARCH ASSUMPTIONS
TABLE 4 RISK ASSESSMENT
TABLE 5 EMBEDDED FINANCE MARKET: ECOSYSTEM
TABLE 6 NORTH AMERICA: REGULATORY BODIES, GOVERNMENT AGENCIES, AND OTHER ORGANIZATIONS
TABLE 7 EUROPE: REGULATORY BODIES, GOVERNMENT AGENCIES, AND OTHER ORGANIZATIONS
TABLE 8 ASIA PACIFIC: LIST OF REGULATORY BODIES, GOVERNMENT AGENCIES, AND OTHER ORGANIZATIONS
TABLE 9 REST OF THE WORLD: REGULATORY BODIES, GOVERNMENT AGENCIES, AND OTHER ORGANIZATIONS
TABLE 10 INDICATIVE PRICING ANALYSIS OF EMBEDDED FINANCE, BY TYPE (USD)
TABLE 11 AVERAGE PRICING ANALYSIS OF KEY PLAYERS, BY SOLUTION (USD)
TABLE 12 PORTER’S FIVE FORCES’ IMPACT ON MARKET
TABLE 13 INFLUENCE OF STAKEHOLDERS ON BUYING PROCESS FOR INDUSTRIES
TABLE 14 KEY BUYING CRITERIA FOR INDUSTRIES
TABLE 15 MARKET: LIST OF KEY CONFERENCES AND EVENTS, 2024–2025
TABLE 16 MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 17 MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 18 EMBEDDED PAYMENTS: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 19 EMBEDDED PAYMENTS: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 20 EMBEDDED LENDING: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 21 EMBEDDED LENDING: EMBEDDED FINANCE MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 22 EMBEDDED INSURANCE: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 23 EMBEDDED INSURANCE: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 24 EMBEDDED INVESTMENT/WEALTH MANAGEMENT: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 25 EMBEDDED INVESTMENT/WEALTH MANAGEMENT: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 26 OTHER TYPES: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 27 OTHER TYPES: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 28 EMBEDDED FINANCE MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 29 MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 30 B2B: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 31 B2B: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 32 B2C: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 33 B2C: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 34 MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 35 MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 36 RETAIL & E-COMMERCE: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 37 RETAIL & E-COMMERCE: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 38 HEALTHCARE: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 39 HEALTHCARE: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 40 EDUCATION: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 41 EDUCATION: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 42 TELECOM: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 43 TELECOM: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 44 TRANSPORTATION, MOBILITY, AND LOGISTICS: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 45 TRANSPORTATION, MOBILITY, AND LOGISTICS: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 46 TRAVEL & HOSPITALITY: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 47 TRAVEL & HOSPITALITY: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 48 OTHER INDUSTRIES: MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 49 OTHER INDUSTRIES: MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 50 EMBEDDED FINANCE MARKET, BY REGION, 2020–2023 (USD BILLION)
TABLE 51 MARKET, BY REGION, 2024–2029 (USD BILLION)
TABLE 52 NORTH AMERICA: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 53 NORTH AMERICA: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 54 NORTH AMERICA: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 55 NORTH AMERICA: EMBEDDED FINANCE MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 56 NORTH AMERICA: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 57 NORTH AMERICA: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 58 NORTH AMERICA: MARKET, BY COUNTRY, 2020–2023 (USD BILLION)
TABLE 59 NORTH AMERICA: MARKET, BY COUNTRY, 2024–2029 (USD BILLION)
TABLE 60 US: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 61 US: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 62 US: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 63 US: EMBEDDED FINANCE MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 64 US: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 65 US: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 66 EUROPE: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 67 EUROPE: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 68 EUROPE: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 69 EUROPE: EMBEDDED FINANCE MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 70 EUROPE: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 71 EUROPE: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 72 EUROPE: MARKET, BY COUNTRY, 2020–2023 (USD BILLION)
TABLE 73 EUROPE: MARKET, BY COUNTRY, 2024–2029 (USD BILLION)
TABLE 74 UK: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 75 UK: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 76 UK: EMBEDDED FINANCE MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 77 UK: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 78 UK: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 79 UK: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 80 ITALY: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 81 ITALY: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 82 ITALY: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 83 ITALY: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 84 ITALY: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 85 ITALY: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 86 ASIA PACIFIC: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 87 ASIA PACIFIC: EMBEDDED FINANCE MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 88 ASIA PACIFIC: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 89 ASIA PACIFIC: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 90 ASIA PACIFIC: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 91 ASIA PACIFIC: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 92 ASIA PACIFIC: MARKET, BY COUNTRY, 2020–2023 (USD BILLION)
TABLE 93 ASIA PACIFIC: MARKET, BY COUNTRY, 2024–2029 (USD BILLION)
TABLE 94 CHINA: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 95 CHINA: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 96 CHINA: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 97 CHINA: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 98 CHINA: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 99 CHINA: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 100 INDIA: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 101 INDIA: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 102 INDIA: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 103 INDIA: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 104 INDIA: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 105 INDIA: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 106 MIDDLE EAST & AFRICA: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 107 MIDDLE EAST & AFRICA: EMBEDDED FINANCE MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 108 MIDDLE EAST & AFRICA: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 109 MIDDLE EAST & AFRICA: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 110 MIDDLE EAST & AFRICA: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 111 MIDDLE EAST & AFRICA: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 112 MIDDLE EAST & AFRICA: MARKET, BY REGION/COUNTRY, 2020–2023 (USD BILLION)
TABLE 113 MIDDLE EAST & AFRICA: MARKET, BY REGION/COUNTRY, 2024–2029 (USD BILLION)
TABLE 114 GCC COUNTRIES: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 115 GCC COUNTRIES: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 116 GCC COUNTRIES: EMBEDDED FINANCE MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 117 GCC COUNTRIES: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 118 GCC COUNTRIES: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 119 GCC COUNTRIES: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 120 GCC COUNTRIES: MARKET, BY COUNTRY, 2020–2023 (USD BILLION)
TABLE 121 GCC COUNTRIES: MARKET, BY COUNTRY, 2024–2029 (USD BILLION)
TABLE 122 KSA: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 123 KSA: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 124 KSA: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 125 KSA: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 126 KSA: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 127 KSA: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 128 LATIN AMERICA: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 129 LATIN AMERICA: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 130 LATIN AMERICA: EMBEDDED FINANCE MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 131 LATIN AMERICA: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 132 LATIN AMERICA: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 133 LATIN AMERICA: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 134 LATIN AMERICA: MARKET, BY COUNTRY, 2020–2023 (USD BILLION)
TABLE 135 LATIN AMERICA: MARKET, BY COUNTRY, 2024–2029 (USD BILLION)
TABLE 136 BRAZIL: MARKET, BY TYPE, 2020–2023 (USD BILLION)
TABLE 137 BRAZIL: MARKET, BY TYPE, 2024–2029 (USD BILLION)
TABLE 138 BRAZIL: MARKET, BY BUSINESS MODEL, 2020–2023 (USD BILLION)
TABLE 139 BRAZIL: MARKET, BY BUSINESS MODEL, 2024–2029 (USD BILLION)
TABLE 140 BRAZIL: MARKET, BY INDUSTRY, 2020–2023 (USD BILLION)
TABLE 141 BRAZIL: MARKET, BY INDUSTRY, 2024–2029 (USD BILLION)
TABLE 142 OVERVIEW OF STRATEGIES ADOPTED BY KEY EMBEDDED FINANCE VENDORS
TABLE 143 EMBEDDED FINANCE MARKET: DEGREE OF COMPETITION
TABLE 144 TYPE FOOTPRINT
TABLE 145 BUSINESS MODEL FOOTPRINT
TABLE 146 INDUSTRY FOOTPRINT
TABLE 147 REGIONAL FOOTPRINT
TABLE 148 MARKET: KEY STARTUPS/SMES
TABLE 149 MARKET: COMPETITIVE BENCHMARKING OF KEY STARTUPS/SMES
TABLE 150 MARKET: PRODUCT LAUNCHES, MARCH 2023–JUNE 2024
TABLE 151 EMBEDDED FINANCE MARKET: DEALS, JULY 2023–JUNE 2024
TABLE 152 STRIPE, INC.: COMPANY OVERVIEW
TABLE 153 STRIPE, INC.: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 154 STRIPE, INC.: PRODUCT LAUNCHES
TABLE 155 STRIPE, INC.: DEALS
TABLE 156 STRIPE, INC.: EXPANSIONS
TABLE 157 PAYPAL HOLDINGS, INC.: COMPANY OVERVIEW
TABLE 158 PAYPAL HOLDINGS, INC.: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 159 PAYPAL HOLDINGS, INC.: PRODUCT LAUNCHES
TABLE 160 PAYPAL HOLDINGS, INC.: DEALS
TABLE 161 AMAZON.COM, INC.: COMPANY OVERVIEW
TABLE 162 AMAZON.COM, INC.: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 163 AMAZON.COM, INC.: PRODUCT LAUNCHES
TABLE 164 AMAZON.COM, INC.: DEALS
TABLE 165 FIS: COMPANY OVERVIEW
TABLE 166 FIS: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 167 FIS: PRODUCT LAUNCHES
TABLE 168 FIS: DEALS
TABLE 169 VISA INC.: COMPANY OVERVIEW
TABLE 170 VISA INC.: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 171 VISA INC.: DEALS
TABLE 172 VISA INC.: OTHERS
TABLE 173 PLAID, INC.: COMPANY OVERVIEW
TABLE 174 PLAID, INC.: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 175 PLAID, INC.: PRODUCT LAUNCHES
TABLE 176 PLAID, INC.: DEALS
TABLE 177 KLARNA BANK AB: COMPANY OVERVIEW
TABLE 178 KLARNA BANK AB: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 179 KLARNA BANK AB: PRODUCT LAUNCHES
TABLE 180 KLARNA BANK AB: DEALS
TABLE 181 CROSS RIVER BANK: COMPANY OVERVIEW
TABLE 182 CROSS RIVER BANK: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 183 CROSS RIVER BANK: DEALS
TABLE 184 ZETA SERVICES INC.: COMPANY OVERVIEW
TABLE 185 ZETA SERVICES INC.: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 186 ZETA SERVICES INC.: PRODUCT LAUNCHES
TABLE 187 ZETA SERVICES INC.: DEALS
TABLE 188 MARQETA, INC.: COMPANY OVERVIEW
TABLE 189 MARQETA, INC.: PRODUCTS/SOLUTIONS/SERVICES OFFERED
TABLE 190 MARQETA, INC.: PRODUCT LAUNCHES
TABLE 191 MARQETA, INC.: DEALS
TABLE 192 DIGITAL PAYMENT MARKET, BY SOLUTION, 2018–2022 (USD MILLION)
TABLE 193 DIGITAL PAYMENT MARKET, BY SOLUTION, 2023–2028 (USD MILLION)
TABLE 194 DIGITAL PAYMENT MARKET, BY TRANSACTION TYPE, 2018–2022 (USD MILLION)
TABLE 195 DIGITAL PAYMENT MARKET, BY TRANSACTION TYPE, 2023–2028 (USD MILLION)
TABLE 196 DIGITAL PAYMENT MARKET, BY PAYMENT MODE, 2018–2022 (USD MILLION)
TABLE 197 DIGITAL PAYMENT MARKET, PAYMENT MODE, 2023–2028 (USD MILLION)
TABLE 198 DIGITAL PAYMENT MARKET, BY VERTICAL, 2018–2022 (USD MILLION)
TABLE 199 DIGITAL PAYMENT MARKET, BY VERTICAL, 2023–2028 (USD MILLION)
TABLE 200 DIGITAL PAYMENT MARKET, BY REGION, 2018–2022 (USD MILLION)
TABLE 201 DIGITAL PAYMENT MARKET, BY REGION, 2023–2028 (USD MILLION)
TABLE 202 PAYMENT PROCESSING SOLUTIONS MARKET, BY PAYMENT METHOD, 2018–2022 (USD MILLION)
TABLE 203 PAYMENT PROCESSING SOLUTIONS MARKET, BY PAYMENT METHOD, 2023–2028 (USD MILLION)
TABLE 204 PAYMENT PROCESSING SOLUTIONS MARKET, BY VERTICAL, 2018–2022 (USD MILLION)
TABLE 205 PAYMENT PROCESSING SOLUTIONS MARKET, BY VERTICAL, 2023–2028 (USD MILLION)
TABLE 206 PAYMENT PROCESSING SOLUTIONS MARKET, BY REGION, 2018–2022 (USD MILLION)
TABLE 207 PAYMENT PROCESSING SOLUTIONS MARKET, BY REGION, 2023–2028 (USD MILLION)
LIST OF FIGURES (48 Figures)
FIGURE 1 MARKET SEGMENTATION
FIGURE 2 EMBEDDED FINANCE MARKET: RESEARCH DESIGN
FIGURE 3 BREAKDOWN OF PRIMARY INTERVIEWS, BY COMPANY TYPE, DESIGNATION, AND REGION
FIGURE 4 DATA TRIANGULATION
FIGURE 5 TOP-DOWN APPROACH
FIGURE 6 MARKET SIZE ESTIMATION METHODOLOGY – APPROACH 1 (SUPPLY SIDE): REVENUE OF VENDORS IN EMBEDDED FINANCE MARKET
FIGURE 7 BOTTOM-UP APPROACH
FIGURE 8 MARKET SIZE ESTIMATION METHODOLOGY: DEMAND-SIDE ANALYSIS
FIGURE 9 BOTTOM-UP (SUPPLY SIDE) ANALYSIS: COLLECTIVE REVENUE FROM SOLUTIONS/SERVICES OF EMBEDDED FINANCE MARKET
FIGURE 10 EMBEDDED FINANCE MARKET TO WITNESS SIGNIFICANT GROWTH DURING FORECAST PERIOD
FIGURE 11 EMBEDDED FINANCE MARKET: REGIONAL SNAPSHOT
FIGURE 12 TECHNOLOGICAL ADVANCEMENTS AND INCREASING CONSUMER DEMAND TO DRIVE EMBEDDED FINANCE MARKET
FIGURE 13 TOP GROWING SEGMENTS IN MARKET IN 2024
FIGURE 14 RETAIL & E-COMMERCE SEGMENT TO ACCOUNT FOR LARGEST MARKET SHARE IN 2024
FIGURE 15 B2B SEGMENT TO ACCOUNT FOR LARGER MARKET SHARE IN 2024
FIGURE 16 EMBEDDED PAYMENTS SEGMENT TO ACCOUNT FOR LARGEST MARKET SHARE IN 2024
FIGURE 17 EMBEDDED PAYMENTS AND B2B SEGMENTS TO HOLD SIGNIFICANT MARKET SHARES IN 2024
FIGURE 18 DRIVERS, RESTRAINTS, OPPORTUNITIES, AND CHALLENGES: EMBEDDED FINANCE MARKET
FIGURE 19 EVOLUTION OF EMBEDDED FINANCE
FIGURE 20 KEY PLAYERS IN EMBEDDED FINANCE MARKET ECOSYSTEM
FIGURE 21 EMBEDDED FINANCE MARKET: VALUE CHAIN ANALYSIS
FIGURE 22 AVERAGE PRICING ANALYSIS OF KEY PLAYERS, BY SOLUTION (USD)
FIGURE 23 LIST OF MAJOR PATENTS FOR EMBEDDED FINANCE
FIGURE 24 PORTER’S FIVE FORCES ANALYSIS: EMBEDDED FINANCE MARKET
FIGURE 25 EMBEDDED FINANCE MARKET: TRENDS/DISRUPTIONS IMPACTING CUSTOMERS’ BUSINESSES
FIGURE 26 INFLUENCE OF STAKEHOLDERS ON BUYING PROCESS FOR INDUSTRIES
FIGURE 27 KEY BUYING CRITERIA FOR TOP INDUSTRIES
FIGURE 28 TOOLS, FRAMEWORKS, AND TECHNIQUES: EMBEDDED FINANCE MARKET
FIGURE 29 INVESTMENT AND FUNDING SCENARIO
FIGURE 30 EMBEDDED LENDING SEGMENT TO GROW AT HIGHEST CAGR DURING FORECAST PERIOD
FIGURE 31 B2C SEGMENT TO GROW AT HIGHER CAGR DURING FORECAST PERIOD
FIGURE 32 HEALTHCARE SEGMENT TO GROW AT HIGHEST CAGR DURING FORECAST PERIOD
FIGURE 33 NORTH AMERICA: MARKET SNAPSHOT
FIGURE 34 ASIA PACIFIC: MARKET SNAPSHOT
FIGURE 35 REVENUE ANALYSIS FOR KEY COMPANIES IN PAST 5 YEARS
FIGURE 36 SHARE OF LEADING COMPANIES IN EMBEDDED FINANCE MARKET, 2023
FIGURE 37 MARKET RANKING ANALYSIS OF TOP 5 PLAYERS
FIGURE 38 EMBEDDED FINANCE MARKET: COMPANY EVALUATION MATRIX (KEY PLAYERS), 2023
FIGURE 39 OVERALL COMPANY FOOTPRINT
FIGURE 40 EMBEDDED FINANCE MARKET: COMPANY EVALUATION MATRIX (STARTUPS/SMES), 2023
FIGURE 41 BRAND/PRODUCT COMPARISON ANALYSIS
FIGURE 42 FINANCIAL METRICS OF KEY EMBEDDED FINANCE VENDORS
FIGURE 43 COMPANY VALUATION OF KEY EMBEDDED FINANCE VENDORS
FIGURE 44 PAYPAL HOLDINGS, INC.: COMPANY SNAPSHOT
FIGURE 45 AMAZON.COM, INC.: COMPANY SNAPSHOT
FIGURE 46 FIS: COMPANY SNAPSHOT
FIGURE 47 VISA INC.: COMPANY SNAPSHOT
FIGURE 48 MARQETA, INC.: COMPANY SNAPSHOT
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