未来の商取引：組込型金融 (エンベディドファイナンス) が現在経済にもたらす影響

組込型金融 (エンベデッドファイナンス) は、フィンテックの世界で急成長しているトレンドで、オープンバンキングによって加速し、COVID-19の流行に対応した顧客行動の変化によって促進されています。小売店やライドシェアサービスなどの非金融サービスプロバイダーと、決済処理・融資・保険などの金融サービスを組み合わせることで、金融プロセスを簡素化するものです。以前は消費者と企業との間に断絶があるのが普通でしたが、組込型金融では、第三者である銀行や貸し手の必要性がなくなります。組込型金融とBaaS (バンキング・アズ・ア・サービス) の最新向に関する知識と観察は、銀行やノンバンク企業が機会を特定し、商品開発、パートナーシップ、市場投入戦略に関する戦略的選択を行う上で役立ちます。

当レポートでは、組込型金融の昨今の普及状況とその影響について分析し、組込型金融の技術的特性と利点、近年のイノベーションの成果と各セグメントでの効果、昨今の主な導入・活用事例、今後の成長機会と課題、といった情報を取りまとめてお届けいたします。

目次

第1章 定義とアーキテクチャ

第2章 組込型金融 (エンベデッドファイナンス) の利点

第3章 主なイノベーション

• 組込型決済
• 組込型保険
• 組込型カード決済
• 組込型融資
• 組込型バンキング (銀行業務)
• 組込型投資
• 組込型資産管理

第4章 戦略展開上の課題

第5章 分析手法

Embedded finance is a burgeoning trend in the fintech world, accelerated by open banking and encouraged by shifting customer behaviors in response to the COVID-19 pandemic. It simplifies financial processes by combining a non-financial service provider, such as a retailer or a ride-sharing service, and a financial service, such as payment processing, lending, or insurance. Prior to the development of embedded finance, there was usually a disconnect between the consumer and the company with which they did business. With embedded finance, the need for a third-party bank or lender is eliminated. The knowledge and observation of emerging trends in embedded finance and Banking-as-a-Service (BaaS) can assist banks and non-bank companies in identifying opportunities and making strategic choices regarding product development, partnerships, and go-to-market strategies. The report uses GlobalData's Innovation Explorer database and expert analysis to showcase some noteworthy examples from embedded finance.

Innovations: presents real-world innovation use cases and examples related to the implementation of emerging technologies by companies as well as startups in the mining sector. It casts light on how tech-enabled innovations are transforming every segment of the sector value chain.

Scope

• Innovation Insights: innovation examples by each application segment of the semiconductor industry to present key trends.

Reasons to Buy

• No surprise that technology has been a driving force in business transformation for years, but the term 'emerging technologies' has all of the sudden become the key catalyst to drive the next wave of innovation across sectors.
• The sense of urgency weighs differently across different sectors, where the direct customer-facing sectors are at the forefront compared to other capital-intensive sectors. Companies in one sector can take cues from successful innovations in other sectors to either draw analogies with existing products, services, and processes or transfer strategic approaches for a revolutionary transformation.
• Against this backdrop, enterprises need to understand which emerging technologies are impacting their sector and how various companies are implementing them to meet various challenges.
• The innovation landscape report in embedded finance, published by GlobalData as part of an ongoing series, covers some real-world examples to advance the development and implementation of embedded finance across some major sectors.

Table of Contents

Table of Contents

1. Definition and architecture

2. Benefits of embedded finance

3. Key innovations

• 3.1 Embedded payments
• 3.2 Embedded insurance
• 3.3 Embedded card payments
• 3.4 Embedded lending
• 3.5 Embedded banking
• 3.6 Embedded investment
• 3.7 Embedded money and wealth

4. Strategic implementation challenges

5. Methodology