組み込みファイナンスの世界市場

組み込みファイナンスの世界市場は2030年までに1兆3,000億米ドルに達する見込み

2024年に2,389億米ドルと推定される組み込みファイナンスの世界市場は、2024年から2030年にかけてCAGR 33.1％で成長し、2030年には1兆3,000億米ドルに達すると予測されます。本レポートで分析したセグメントの1つである組み込み型決済は、CAGR 32.6%を記録し、分析期間終了時には5,622億米ドルに達すると予測されます。Embedded Insurance分野の成長率は、分析期間中CAGR34.6%と推定されます。

米国市場は628億米ドル、中国はCAGR31.5%で成長すると予測

米国の組み込みファイナンス市場は、2024年に628億米ドルと推定されます。世界第2位の経済大国である中国は、2030年までに2,000億米ドルの市場規模に達すると予測され、分析期間2024-2030年のCAGRは31.5%です。その他の注目すべき地域別市場としては、日本とカナダがあり、分析期間中のCAGRはそれぞれ30.1%と28.8%と予測されています。欧州では、ドイツがCAGR約23.1%で成長すると予測されています。

世界の組み込みファイナンス市場- 主要動向と促進要因のまとめ

組み込みファイナンスはどのように金融サービスの情勢を変えているのか？

組み込みファイナンスは、バンキング、ペイメント、融資、保険を非金融プラットフォームに直接シームレスに統合することで、金融サービスに革命を起こしています。この統合により、eコマース、ヘルスケア、不動産、SaaSなど様々な業界の企業が、金融商品をカスタマージャーニーに組み込むことができ、ユーザーは従来の銀行とやり取りする必要がなくなります。アプリケーション・プログラミング・インターフェース（API）やバンキング・アズ・ア・サービス（BaaS）プラットフォームの普及がこの動向を加速しており、企業は規制遵守やインフラ開発、ライセンシング要件といった複雑な手続きを経ることなく金融サービスを提供できるようになっています。組み込みファイナンスを活用する企業は、即時融資、自動決済、リアルタイム保険など、パーソナライズされた摩擦のない金融ソリューションを提供することで、顧客エンゲージメントを高めることができます。さらに、組み込みファイナンスは、特に伝統的な銀行インフラが限られている新興市場において、十分なサービスを受けていない人々に銀行サービスへのシームレスなアクセスを提供するため、金融包摂は拡大しています。

組み込みファイナンスへのシフトは、金融取引における利便性とスピードに対する消費者の期待の変化にも後押しされています。今日、顧客は、クレジットへのリアルタイムのアクセス、即時の支払い処理、お気に入りのデジタル・プラットフォームに統合された楽なサブスクリプション・ベースの金融サービスを求めています。BNPL（Buy Now, Pay Later）モデルはこの動向を象徴するもので、顧客に前払いなしで買い物をする能力を提供し、ブランド・ロイヤルティを育み、加盟店の売上を増加させます。さらに、組み込みファイナンスは、取引手数料、金利収益、組み込み金融パートナーシップを通じて新たな収益源を解き放ち、ビジネスの収益性を高めます。大手テクノロジー企業、フィンテック企業、伝統的な金融機関が組み込みファイナンスの機能を拡張するために協力しており、情勢は急速に進化しており、金融商品の流通と消費の方法を業界全体で再構築しています。

どのような技術革新が組み込みファイナンスを動かしているのか？

組み込みファイナンスの急速な台頭は、フィンテック・インフラストラクチャー、特にAPI駆動型アーキテクチャ、人工知能（AI）、ブロックチェーン技術の躍進によるところが大きいです。APIは、組み込み型金融サービスのバックボーンとなり、サードパーティのプラットフォームが最小限の労力で決済処理、融資ソリューション、保険商品をエコシステムに統合することを可能にしています。様々な地域におけるオープンバンキング規制は、銀行が認可を受けたプロバイダーと顧客データを安全に共有することを義務付けることで、API主導の金融ソリューションの採用をさらに後押ししています。さらに、AIと機械学習（ML）は、リスク評価、詐欺防止、パーソナライズされた金融レコメンデーションにおいて重要な役割を果たしています。AI主導の分析を活用することで、組み込みファイナンスプロバイダーはカスタマイズされたローン・オプションを提供し、引受プロセスを最適化し、リアルタイム取引におけるセキュリティ対策を強化することができます。クラウドコンピューティングとエッジコンピューティングの統合により、組み込みファイナンスのスケーラビリティはさらに強化され、多様なデジタルプラットフォームで金融サービスを効率的に機能させることができます。

ブロックチェーンと分散型金融（DeFi）技術も、特にクロスボーダー決済、スマート決済、分散型融資において、組み込みファイナンスの進化に影響を与えています。暗号通貨やトークン化された決済は、デジタル・ウォレットやeコマース・プラットフォームに組み込まれ、ユーザーに代替決済手段や強化されたセキュリティを提供しています。組み込み型ウォレットとリアルタイム取引処理システムの台頭は、従来の銀行取引に伴う遅延や非効率を解消することで、デジタル商取引を再構築しています。さらに、生体認証やAIを活用した不正検知メカニズムにより、組み込み型金融ソリューションのセキュリティが強化され、サイバー脅威が減少し、厳格な金融規制へのコンプライアンスが向上しています。金融技術が進化を続ける中、企業はユーザーエクスペリエンス、業務効率、金融アクセシビリティを向上させる、より洗練された組み込みファイナンスソリューションを採用することが期待されています。

組み込みファイナンスの需要を牽引している業界と使用事例は？

組み込みファイナンスの需要は様々な業界で急増しており、それぞれがユーザーエクスペリエンスの向上、トランザクションの合理化、新たな収益モデルの構築のためにテクノロジーを活用しています。eコマースプラットフォームは、BNPLオプション、即時クレジット機能、デジタルウォレットを統合し、摩擦のないチェックアウト体験を提供することで、組み込み型金融サービスの導入をリードしています。ライドヘイリングサービスやフリーランスマーケットプレースを含むギグエコノミープラットフォームは、即時支払い、ドライバー融資、マイクロ保険などの金融ソリューションを組み込み、労働力をサポートしています。ヘルスケア業界では、患者の資金調達、シームレスな保険請求処理、自動化された請求ソリューションに組み込みファイナンスを活用するケースが増えており、医療サービスの低価格化とアクセシビリティの向上が図られています。同様に、不動産や不動産管理の分野では、住宅ローンソリューション、賃貸料支払い処理、デジタルエスクローサービスを組み込み、取引の透明性と効率性を高めています。

SaaS業界も組み込みファイナンスを採用し、サブスクリプション請求、組み込み融資、請求書融資ソリューションを統合して、企業がキャッシュフローを最適化し、支払いを楽に管理できるよう支援しています。旅行やホスピタリティのプラットフォームは、ダイナミックな価格設定モデル、旅行保険、柔軟な支払いオプションを組み込み、顧客の予約体験を向上させています。製造業やサプライチェーンマネジメントのような伝統的な分野でも、組み込みファイナンスを活用して、貿易信用ソリューション、サプライチェーンファイナンス、自動化されたB2B決済処理を可能にしています。さらに、組み込み型の資産管理や投資ソリューションが人気を集めており、証券会社やロボアドバイザーは、銀行アプリやeコマースプラットフォームに投資商品を直接組み込んでいます。各業界の企業が金融へのアクセシビリティを高め、顧客維持率を向上させようとする中、組み込みファイナンスは戦略的必須事項となりつつあり、世界中のデジタル・エコシステムを変革しています。

組み込みファイナンス市場の成長の原動力は？

組み込みファイナンス市場の成長は、デジタル商取引の拡大、API駆動型金融ソリューションの採用の増加、金融相互運用性に対する規制支援の増加など、いくつかの要因によって牽引されています。eコマース取引の急増により、組み込み型決済、BNPLサービス、リアルタイムクレジットソリューションの需要が高まっています。さらに、バンキング・アズ・ア・サービス（BaaS）プラットフォームが利用可能になりつつあることで、非金融企業が金融商品を統合する障壁が低くなり、市場導入が加速しています。オープン・バンキング規制と金融イノベーションを促進する政府の政策が、金融データへの安全なアクセスを可能にし、オーダーメイドの金融サービスを提供することを可能にしました。インスタントで手間のかからない金融取引に対する消費者の嗜好の高まりも、企業が金融サービスを自社のプラットフォームに直接統合し、シームレスでパーソナライズされた顧客体験を確保することを後押ししています。

特にAIを活用したリスク評価、ブロックチェーンを活用したスマートコントラクト、クラウドネイティブな金融インフラなどの技術的進歩は、組み込みファイナンスソリューションの拡張性と安全性を高めています。組み込み型の保険、資産管理、マイクロ投資プラットフォームの台頭により、金融包摂が拡大し、ユーザーは最小限の労力でカスタマイズされた金融商品にアクセスできるようになっています。さらに、中小企業（SME）のデジタル化の進展により、組み込み型のB2B融資ソリューションの需要が急増しており、従来の銀行機関に依存することなく、企業が資本にアクセスできるようになっています。銀行、決済処理業者、テクノロジー・プロバイダー間のフィンテック・パートナーシップや戦略的提携がイノベーションをさらに促進し、さまざまな業界のニーズに合わせた新たな組み込みファイナンスモデルを生み出しています。企業が金融の統合とユーザーの利便性を優先し続ける中、組み込みファイナンス市場は飛躍的な成長を遂げ、金融サービスの未来を根本的に再構築すると予想されます。

セグメント

タイプ（エンベデッド・ペイメント、エンベデッド・インシュアランス、エンベデッド・インベストメント、エンベデッド・レンディング、エンベデッド・バンキング）、エンド・ユース（リテール、ヘルスケア、ロジスティクス、製造、トラベル＆エンターテインメント、その他）

調査対象企業の例

• Alipay+
• Amazon.com, Inc.
• Belvo
• Cross River Bank
• FIS（Fidelity National Information Services）
• Goldman Sachs
• JPMorgan Chase & Co.
• Kasko Ltd.
• Klarna Bank AB
• Marqeta, Inc.
• Parafin, Inc.
• PayPal Holdings, Inc.
• Plaid, Inc.
• Solaris SE
• Stripe, Inc.
• Tint Technologies Inc.
• Unit Finance Inc.
• Visa Inc.
• Wise Payments Limited
• Zeta Services Inc.

AIインテグレーション

Global Industry Analystsは、有効な専門家コンテンツとAIツールによって、市場情報と競合情報を変革しています。

Global Industry Analystsは、一般的なLLMや業界別SLMのクエリに従う代わりに、ビデオ記録、ブログ、検索エンジン調査、膨大な量の企業、製品/サービス、市場データなど、世界中の専門家から収集したコンテンツのリポジトリを構築しました。

関税影響係数

Global Industry Analystsは、本社の国、製造拠点、輸出入（完成品とOEM）に基づく企業の競争力の変化を予測しています。この複雑で多面的な市場力学は、売上原価（COGS）の増加、収益性の低下、サプライチェーンの再構築など、ミクロおよびマクロの市場力学の中でも特に競合他社に影響を与える見込みです。

目次

第1章 調査手法

第2章 エグゼクティブサマリー

• 市場概要
• 主要企業
• 市場動向と促進要因
• 世界市場の見通し

第3章 市場分析

• 米国
• カナダ
• 日本
• 中国
• 欧州
• フランス
• ドイツ
• イタリア
• 英国
• その他欧州
• アジア太平洋
• その他の地域

第4章 競合

Global Embedded Finance Market to Reach US$1.3 Trillion by 2030

The global market for Embedded Finance estimated at US$238.9 Billion in the year 2024, is expected to reach US$1.3 Trillion by 2030, growing at a CAGR of 33.1% over the analysis period 2024-2030. Embedded Payment, one of the segments analyzed in the report, is expected to record a 32.6% CAGR and reach US$562.2 Billion by the end of the analysis period. Growth in the Embedded Insurance segment is estimated at 34.6% CAGR over the analysis period.

The U.S. Market is Estimated at US$62.8 Billion While China is Forecast to Grow at 31.5% CAGR

The Embedded Finance market in the U.S. is estimated at US$62.8 Billion in the year 2024. China, the world's second largest economy, is forecast to reach a projected market size of US$200.0 Billion by the year 2030 trailing a CAGR of 31.5% over the analysis period 2024-2030. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at a CAGR of 30.1% and 28.8% respectively over the analysis period. Within Europe, Germany is forecast to grow at approximately 23.1% CAGR.

Global Embedded Finance Market - Key Trends & Drivers Summarized

How Is Embedded Finance Reshaping the Financial Services Landscape?

Embedded finance is revolutionizing financial services by seamlessly integrating banking, payments, lending, and insurance directly into non-financial platforms. This integration allows businesses across diverse industries-such as e-commerce, healthcare, real estate, and SaaS-to embed financial products into their customer journeys, eliminating the need for users to interact with traditional banks. The widespread adoption of application programming interfaces (APIs) and banking-as-a-service (BaaS) platforms has accelerated this trend, enabling companies to offer financial services without the complexities of regulatory compliance, infrastructure development, or licensing requirements. Businesses leveraging embedded finance can enhance customer engagement by offering personalized, frictionless financial solutions, such as instant lending, automated payments, and real-time insurance. Additionally, financial inclusion is expanding, as embedded finance provides seamless access to banking services for underserved populations, particularly in emerging markets where traditional banking infrastructure is limited.

The shift toward embedded finance is also driven by changing consumer expectations for convenience and speed in financial transactions. Customers today demand real-time access to credit, instant payment processing, and effortless subscription-based financial services integrated within their favorite digital platforms. The buy now, pay later (BNPL) model exemplifies this trend, offering customers the ability to make purchases without upfront payments, fostering brand loyalty and increasing merchant sales. Moreover, embedded finance enhances business profitability by unlocking new revenue streams through transaction fees, interest earnings, and embedded financial partnerships. With major technology firms, fintech players, and traditional financial institutions collaborating to expand embedded finance capabilities, the landscape is evolving rapidly, reshaping the way financial products are distributed and consumed across industries.

What Technological Innovations Are Powering Embedded Finance?

The rapid rise of embedded finance is largely attributed to breakthroughs in fintech infrastructure, particularly API-driven architectures, artificial intelligence (AI), and blockchain technology. APIs have become the backbone of embedded financial services, allowing third-party platforms to integrate payment processing, lending solutions, and insurance products into their ecosystems with minimal effort. Open banking regulations in various regions have further encouraged the adoption of API-led financial solutions by mandating banks to share customer data securely with authorized providers. Additionally, AI and machine learning (ML) are playing a crucial role in risk assessment, fraud prevention, and personalized financial recommendations. By leveraging AI-driven analytics, embedded finance providers can offer customized loan options, optimize underwriting processes, and enhance security measures in real-time transactions. The integration of cloud computing and edge computing has further strengthened the scalability of embedded finance, enabling financial services to function efficiently across diverse digital platforms.

Blockchain and decentralized finance (DeFi) technologies are also influencing the evolution of embedded finance, particularly in cross-border payments, smart contracts, and decentralized lending. Cryptocurrencies and tokenized payments are being embedded into digital wallets and e-commerce platforms, providing users with alternative payment methods and enhanced security. The rise of embedded wallets and real-time transaction processing systems is reshaping digital commerce by eliminating the delays and inefficiencies associated with traditional banking transactions. Furthermore, biometric authentication and AI-driven fraud detection mechanisms are enhancing the security of embedded financial solutions, reducing cyber threats and improving compliance with stringent financial regulations. As financial technology continues to evolve, businesses are expected to adopt more sophisticated embedded finance solutions that enhance user experience, operational efficiency, and financial accessibility.

Which Industries and Use Cases Are Driving the Demand for Embedded Finance?

The demand for embedded finance is skyrocketing across various industries, each leveraging the technology to enhance user experiences, streamline transactions, and create new revenue models. E-commerce platforms are leading the adoption of embedded financial services by integrating BNPL options, instant credit facilities, and digital wallets to provide frictionless checkout experiences. Gig economy platforms, including ride-hailing services and freelance marketplaces, have embedded financial solutions such as instant payouts, driver financing, and micro-insurance to support their workforce. The healthcare industry is increasingly utilizing embedded finance for patient financing, seamless insurance claim processing, and automated billing solutions, improving the affordability and accessibility of medical services. Similarly, the real estate and property management sectors are embedding mortgage solutions, rental payment processing, and digital escrow services, enhancing transactional transparency and efficiency.

The SaaS industry has also embraced embedded finance, integrating subscription billing, embedded lending, and invoice financing solutions to help businesses optimize cash flow and manage payments effortlessly. Travel and hospitality platforms have embedded dynamic pricing models, travel insurance, and flexible payment options to enhance the booking experience for customers. Even traditional sectors such as manufacturing and supply chain management are leveraging embedded finance to enable trade credit solutions, supply chain financing, and automated B2B payment processing. Additionally, embedded wealth management and investment solutions are gaining popularity, with brokerage firms and robo-advisors integrating investment products directly into banking apps and e-commerce platforms. As businesses across industries seek to enhance financial accessibility and improve customer retention, embedded finance is becoming a strategic imperative, transforming digital ecosystems worldwide.

What Is Driving the Growth of the Embedded Finance Market?

The growth in the embedded finance market is driven by several factors, including the expansion of digital commerce, the rising adoption of API-driven financial solutions, and increasing regulatory support for financial interoperability. The surge in e-commerce transactions has fueled demand for embedded payments, BNPL services, and real-time credit solutions, as businesses seek to reduce cart abandonment rates and improve conversion metrics. Additionally, the growing availability of banking-as-a-service (BaaS) platforms has lowered barriers for non-financial companies to integrate financial products, accelerating market adoption. Open banking regulations and government policies promoting financial innovation have further propelled the embedded finance landscape, allowing businesses to access financial data securely and offer tailored financial services. The growing consumer preference for instant, hassle-free financial interactions has also encouraged companies to integrate financial services directly into their platforms, ensuring a seamless and personalized customer experience.

Technological advancements, particularly in AI-powered risk assessment, blockchain-based smart contracts, and cloud-native financial infrastructure, are enhancing the scalability and security of embedded finance solutions. The rise of embedded insurance, wealth management, and micro-investment platforms is expanding financial inclusion, allowing users to access customized financial products with minimal effort. Furthermore, the increasing digitalization of small and medium-sized enterprises (SMEs) has led to a surge in demand for embedded B2B financing solutions, helping businesses access capital without relying on traditional banking institutions. Fintech partnerships and strategic collaborations between banks, payment processors, and technology providers are further driving innovation, creating new embedded finance models tailored to different industry needs. As businesses continue to prioritize financial integration and user convenience, the embedded finance market is expected to experience exponential growth, fundamentally reshaping the future of financial services.

SCOPE OF STUDY:

The report analyzes the Embedded Finance market in terms of units by the following Segments, and Geographic Regions/Countries:

Segments:

Type (Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending, Embedded Banking); End-Use (Retail, Healthcare, Logistics, Manufacturing, Travel & Entertainment, Others)

Geographic Regions/Countries:

World; United States; Canada; Japan; China; Europe (France; Germany; Italy; United Kingdom; and Rest of Europe); Asia-Pacific; Rest of World.

Select Competitors (Total 42 Featured) -

• Alipay+
• Amazon.com, Inc.
• Belvo
• Cross River Bank
• FIS (Fidelity National Information Services)
• Goldman Sachs
• JPMorgan Chase & Co.
• Kasko Ltd.
• Klarna Bank AB
• Marqeta, Inc.
• Parafin, Inc.
• PayPal Holdings, Inc.
• Plaid, Inc.
• Solaris SE
• Stripe, Inc.
• Tint Technologies Inc.
• Unit Finance Inc.
• Visa Inc.
• Wise Payments Limited
• Zeta Services Inc.

AI INTEGRATIONS

We're transforming market and competitive intelligence with validated expert content and AI tools.

Instead of following the general norm of querying LLMs and Industry-specific SLMs, we built repositories of content curated from domain experts worldwide including video transcripts, blogs, search engines research, and massive amounts of enterprise, product/service, and market data.

TARIFF IMPACT FACTOR

Our new release incorporates impact of tariffs on geographical markets as we predict a shift in competitiveness of companies based on HQ country, manufacturing base, exports and imports (finished goods and OEM). This intricate and multifaceted market reality will impact competitors by increasing the Cost of Goods Sold (COGS), reducing profitability, reconfiguring supply chains, amongst other micro and macro market dynamics.

TABLE OF CONTENTS

I. METHODOLOGY

II. EXECUTIVE SUMMARY

• 1. MARKET OVERVIEW
  • Influencer Market Insights
  • Tariff Impact on Global Supply Chain Patterns
  • Embedded Finance - Global Key Competitors Percentage Market Share in 2025 (E)
  • Competitive Market Presence - Strong/Active/Niche/Trivial for Players Worldwide in 2025 (E)
• 2. FOCUS ON SELECT PLAYERS
• 3. MARKET TRENDS & DRIVERS
  • Surging Demand for Frictionless Customer Journeys Drives Adoption of Embedded Finance Solutions
  • Retailers and Platforms Integrate Financial Products to Strengthen Customer Lifetime Value
  • API-Driven Ecosystems Enable Scalable and Modular Embedded Finance Deployments Across Verticals
  • Growth of Gig Economy Platforms Spurs Embedded Banking and Lending Services for Freelancers
  • E-commerce Boom Propels Demand for Integrated Credit, Insurance, and Savings Offerings
  • B2B Marketplaces Leverage Embedded Finance to Streamline Vendor Payments and Trade Credit
  • Banks and FinTechs Partner with Non-Financial Brands to Accelerate Embedded Finance Rollouts
  • Buy Now Pay Later (BNPL) Models Expand Embedded Finance Use Cases in Consumer Transactions
  • Rising Financial Inclusion Efforts Drive Embedded Finance Penetration in Underserved Regions
  • WealthTech and Robo-Advisory Platforms Adopt Embedded Investment Products for Portfolio Expansion
  • SMEs Use Embedded Finance to Access Working Capital Through In-Platform Financing Tools
  • Consumer Expectation for Real-Time Financial Services Strengthens Embedded Infrastructure Investment
• 4. GLOBAL MARKET PERSPECTIVE
  • TABLE 1: World Embedded Finance Market Analysis of Annual Sales in US$ Million for Years 2015 through 2030
  • TABLE 2: World Recent Past, Current & Future Analysis for Embedded Finance by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 3: World 6-Year Perspective for Embedded Finance by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets for Years 2025 & 2030
  • TABLE 4: World Recent Past, Current & Future Analysis for Embedded Payment by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 5: World 6-Year Perspective for Embedded Payment by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 6: World Recent Past, Current & Future Analysis for Embedded Insurance by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 7: World 6-Year Perspective for Embedded Insurance by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 8: World Recent Past, Current & Future Analysis for Embedded Investment by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 9: World 6-Year Perspective for Embedded Investment by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 10: World Recent Past, Current & Future Analysis for Embedded Lending by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 11: World 6-Year Perspective for Embedded Lending by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 12: World Recent Past, Current & Future Analysis for Embedded Banking by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 13: World 6-Year Perspective for Embedded Banking by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 14: World Recent Past, Current & Future Analysis for Travel & Entertainment by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 15: World 6-Year Perspective for Travel & Entertainment by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 16: World Recent Past, Current & Future Analysis for Others by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 17: World 6-Year Perspective for Others by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 18: World Recent Past, Current & Future Analysis for Retail by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 19: World 6-Year Perspective for Retail by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 20: World Recent Past, Current & Future Analysis for Healthcare by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 21: World 6-Year Perspective for Healthcare by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 22: World Recent Past, Current & Future Analysis for Logistics by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 23: World 6-Year Perspective for Logistics by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030
  • TABLE 24: World Recent Past, Current & Future Analysis for Manufacturing by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 25: World 6-Year Perspective for Manufacturing by Geographic Region - Percentage Breakdown of Value Sales for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2025 & 2030

III. MARKET ANALYSIS

• UNITED STATES
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United States for 2025 (E)
  • TABLE 26: USA Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 27: USA 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 28: USA Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 29: USA 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• CANADA
  • TABLE 30: Canada Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 31: Canada 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 32: Canada Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 33: Canada 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• JAPAN
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Japan for 2025 (E)
  • TABLE 34: Japan Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 35: Japan 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 36: Japan Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 37: Japan 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• CHINA
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in China for 2025 (E)
  • TABLE 38: China Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 39: China 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 40: China Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 41: China 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• EUROPE
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Europe for 2025 (E)
  • TABLE 42: Europe Recent Past, Current & Future Analysis for Embedded Finance by Geographic Region - France, Germany, Italy, UK and Rest of Europe Markets - Independent Analysis of Annual Sales in US$ Million for Years 2024 through 2030 and % CAGR
  • TABLE 43: Europe 6-Year Perspective for Embedded Finance by Geographic Region - Percentage Breakdown of Value Sales for France, Germany, Italy, UK and Rest of Europe Markets for Years 2025 & 2030
  • TABLE 44: Europe Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 45: Europe 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 46: Europe Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 47: Europe 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• FRANCE
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in France for 2025 (E)
  • TABLE 48: France Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 49: France 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 50: France Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 51: France 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• GERMANY
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Germany for 2025 (E)
  • TABLE 52: Germany Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 53: Germany 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 54: Germany Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 55: Germany 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• ITALY
  • TABLE 56: Italy Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 57: Italy 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 58: Italy Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 59: Italy 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• UNITED KINGDOM
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United Kingdom for 2025 (E)
  • TABLE 60: UK Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 61: UK 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 62: UK Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 63: UK 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• REST OF EUROPE
  • TABLE 64: Rest of Europe Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 65: Rest of Europe 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 66: Rest of Europe Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 67: Rest of Europe 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• ASIA-PACIFIC
  • Embedded Finance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Asia-Pacific for 2025 (E)
  • TABLE 68: Asia-Pacific Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 69: Asia-Pacific 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 70: Asia-Pacific Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 71: Asia-Pacific 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030
• REST OF WORLD
  • TABLE 72: Rest of World Recent Past, Current & Future Analysis for Embedded Finance by Type - Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 73: Rest of World 6-Year Perspective for Embedded Finance by Type - Percentage Breakdown of Value Sales for Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking for the Years 2025 & 2030
  • TABLE 74: Rest of World Recent Past, Current & Future Analysis for Embedded Finance by End-Use - Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing - Independent Analysis of Annual Sales in US$ Million for the Years 2024 through 2030 and % CAGR
  • TABLE 75: Rest of World 6-Year Perspective for Embedded Finance by End-Use - Percentage Breakdown of Value Sales for Travel & Entertainment, Others, Retail, Healthcare, Logistics and Manufacturing for the Years 2025 & 2030

IV. COMPETITION