市場調査レポート

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1284284

組み込み型金融市場の2028年までの予測- ソリューション別、ビジネスモデル別（企業間、企業対顧客、企業間取引、企業間消費者間取引）、エンドユーザー別、地域別の世界分析

Embedded Finance Market Forecasts to 2028 - Global Analysis By Solution, Business Model (Business-to-business, Business-to-Customer, Business-to-business-to-business, Business-to-business-to-consumer ), End User and By Geography

出版日: 2023年06月01日 | 発行: Stratistics Market Research Consulting

| ページ情報: 英文 175+ Pages | 納期: 2～3営業日

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全表示
概要
図表
目次

概要

サンプル依頼リストに入れる

Stratistics MRCによると、世界の組み込み型金融市場は、2022年に543億米ドルを占め、2028年にはCAGR18.4％で成長して1,495億米ドルに達すると予想されています。

金融商品以外の顧客体験、ジャーニー、またはプラットフォームに金融商品を配置することは、組み込み型金融として知られています。ノンバンクは、長年にわたり、小売チェーン、食料品店、航空会社などで、プライベートブランド・クレジットカードを通じて金融サービスを提供してきました。また、小売店での家電製品の販売金融やディーラーでの自動車ローンも、組み込み型金融の代表的な例です。このような契約は、それをサポートする銀行がエンドユーザーとコミュニケーションをとるためのパイプ役を担っています。企業、消費者、商業者の行動の根本的な変化と技術の進歩が、組み込み型金融を可能にしています。

2022年5月のAion Bankの調査によると、欧州の小売業者の約74％が、顧客に組み込み型金融の提供をロールオンしています。

市場力学：

促進要因

eコマースサービスの増加

予測期間中、世界中で電子商取引やオンラインショッピングが増加し、市場成長を促進すると予測されます。これは、金融サービスがeコマース・プラットフォームに組み込まれ、シームレスで実用的な顧客体験が可能になったことに起因します。eコマース事業には、決済、融資、保険などの金融サービスが組み込まれています。例えば、Amazon.comやWix e-commerceを含む多くのeコマースサイトは、buy nowオプションを使用して後払いするオプションを顧客に提供しています。その結果、組み込み型金融業界は急成長すると予想されています。

抑制要因

銀行における新技術の採用の遅れ

組み込み型金融が将来的に拡大することを妨げるかもしれない障害があります。組み込み型金融の主な実現要素として、オープンバンキング、BaaS、決済APIなどがあります。これらはいずれも、組み込み型金融が経済的に成立するところまで進んでいますが、すべての市場でそうであるわけではなく、組み込み型金融の将来性が保証されているわけではありません。また、銀行のような金融機関は、新しい技術を取り入れるのが遅いことで知られており、現在でも多くの銀行が旧式のシステムに依存しているのが現状です。銀行にとって、組み込み型金融は、フィンテック企業以外との協業や、エンドユーザーにとって重要でない役割を担うことを意味し、その受け入れは非常に困難なものとなるでしょう。

機会

融資プラットフォームへのAIの組み込み

組み込み型金融ソリューションのベンダーは、提供するサービスを統合し、顧客向けにパーソナライズしています。組み込み型支払いオプションによるモノのインターネット（IoT）の統合、組み込み型投資プログラムの機械学習、貸出プラットフォームへのAIの組み込みなどがその例です。これらの機能によってエンドユーザー体験が向上し、市場動向も絶えず変化しています。業界全体における組み込み型金融業務の採用は、クラウドベースのプラットフォームを使用して多数の複雑な業務を効率化することによって推進されており、これも組み込み型金融サービスの需要を押し上げています。

脅威

過剰な融資を受けるリスク

クレジットがより広く利用できるようになると、消費者はより多くの、より小さなローンを借りなければならないと感じるかもしれません。消費者が複数のローンを抱えている場合、その支払いは長期間に渡って積み重なる可能性があります。その場合、予想以上に借金が増えてしまい、支払いを止めてしまうかもしれません。Googleで検索してみると、借り手は組み込み型金融が全体のクレジットスコアに影響を与えることを心配していることがわかります。また、組み込み型金融が普及するにつれ、市場は関連する債務の不履行の問題にも対処する必要があります。このような点が市場の拡大を妨げています。

COVID-19の影響：

COVID-19のパンデミックは、組み込み型金融セクターの発展に好影響を与えました。従来の銀行サービスは、社会的距離のルールや規範の影響を受け、オンラインバンキングサービスへの需要が高まっています。例えば、COVID-19 FinTech Market Rapid Assessmentと題された世界の調査によると、調査対象となったフィンテック企業の60%近くが、新しい製品やサービスを開始したと報告しています。さらに、COVID-19パンデミックの期間中および終了後のeコマースやオンラインショッピングのパターンの拡大が、組み込み型ファイナンスソリューションの採用を加速させ、市場の拡大を支えています。

予測期間中、投資銀行・投資部門が最大となる見込み

予測期間中、投資銀行および投資セグメントが最大のシェアを占めると予測されます。新興企業の増加や大型投資への需要が、この市場拡大の原動力となっています。これらの投資サービスに対する需要の高まりと、組み込み型フィンテックサービスの統合により、組み込み型ファイナンスソリューションの売上が増加しており、このセグメントの成長を後押ししています。

予測期間中、組み込み型レンディング分野のCAGRが最も高くなると予想されます。

予測期間中、組み込み型レンディング分野が最も高い成長率を示すと予測されています。組み込み型融資の急速な拡大の背景には、シンプルで迅速な資金調達へのニーズの高まりがあります。2022年12月に世界の貸出業界の上級管理職350人を対象に実施された「組み込み型貸出における顧客体験の未来」調査によると、今後5年の間に45％近くのローンが非金融的な状況で返済される可能性があるとのことです。さらに、回答者の93％が、エンベデッドレンディングによってローンの申し込みがシンプルになると考えています。したがって、予測期間中、前述の要因がこのセグメントの成長を促進すると予想されます。

最もシェアが大きい地域

2022年、市場は北米地域が26.0%以上の収益シェアを占め、予測期間中も支配的であると予想されます。同地域の市場は、主要な市場プレイヤーの存在により拡大すると予想されます。組み込み型金融の導入を早めるため、この地域の新興企業も資金調達活動に参加しています。米国を拠点とする中小企業は、銀行融資を受けることが困難な状況にあります。そのため、代替の資金源を探す企業が増えています。さらに、資金調達活動の活発化は、北米地域における斬新な製品や技術の創出を支援すると予想されます。

CAGRが最も高い地域：

予測期間中、アジア太平洋地域は最も高い成長を遂げると予想されます。様々な市場関係者による取り組みが、アジア太平洋地域の成長の要因となっています。例えば、シンガポールにおける組み込み型金融ハブの立ち上げは、監査、税務、アドバイザリーサービスを提供するKPMG Services Pte.Ltd.が2022年10月に発表しました。組み込み型金融ハブの立ち上げは、企業や金融機関を支援することで、国全体の組み込み型金融サービスの導入を早めることを目的としています。また、アジア太平洋地域における組み込み型金融分野の拡大は、同地域のeコマース市場の拡大が後押ししています。

主な発展：

2023年5月、大手金融インフラ企業であるDecentroは、企業のスムーズなオンボーディング体験と金融商品の管理を支援するため、エンドツーエンドの決済と組み込み型バンキングの完全スタックであるFlowとFabricを発表しました。新しいモジュールは、Decentroの拡大する顧客基盤にフルスタックの体験を提供するために導入されました。

2023年4月、Maastは、ソフトウェアプロバイダーやベンダー向けに、新規顧客の獲得、顧客一人当たりの収益の向上、既存顧客との関係強化を支援する組み込み型金融ソリューションを発表しました。

2023年3月、インドのネオバンキング・プラットフォームであるアントワークス・マネーは、組み込み型金融ソリューションの技術を提供するスウェーデンのソフトウェア会社ボピーと契約を締結しました。この契約により、両社はインドのビジネスコミュニティ向けに組み込み型金融プラットフォームを構築することになります。

本レポートの内容

地域別、国別セグメントの市場シェア評価
新規参入企業への戦略的提言
2020年、2021年、2022年、2025年、2028年の市場データを網羅
市場動向（促進要因、抑制要因、機会、脅威、課題、投資機会、推奨事項）
市場推定に基づく、主要ビジネスセグメントにおける戦略的提言
主要な共通トレンドをマッピングした競合情勢。
詳細な戦略、財務、最近の開発状況を含む企業プロファイル
最新の技術的進歩をマッピングしたサプライチェーン動向

無料のカスタマイズ提供：

本レポートをご購入いただいたお客様には、以下の無料カスタマイズオプションのいずれかを提供させていただきます：

企業プロファイル
- 追加市場プレイヤーの包括的なプロファイリング（最大3社まで）
- 主要プレイヤーのSWOT分析（3社まで）
地域別セグメンテーション
- お客様のご希望に応じて、主要国の市場推計・予測・CAGR（注：フィージビリティチェックによる。）
競合ベンチマーキング
- 製品ポートフォリオ、地域的プレゼンス、戦略的提携に基づく主要プレイヤーのベンチマーキング

北米
- 米国
- カナダ
- メキシコ
欧州
- ドイツ
- 英国
- イタリア
- フランス
- スペイン
- その他欧州
アジア太平洋地域
- 日本
- 中国
- インド
- オーストラリア
- ニュージーランド
- 韓国
- その他アジア太平洋地域
南米
- アルゼンチン
- ブラジル
- チリ
- その他南米
中東とアフリカ
- サウジアラビア
- アラブ首長国連邦
- カタール
- 南アフリカ
- その他中東とアフリカ

第9章主な発展

契約、パートナーシップ、コラボレーション、合弁事業
買収と合併
新製品の発売
事業拡大
その他の主要戦略

第10章会社概要

Banxware
Cross River ban
Cybrid Technology Inc.
Finastra
Finix
Fluenccy Pty Limited
Flywire
Fortis Payment Systems, LLC
Lendflow
OpenPayd
PAYRIX
Railsbank
Stripe, Inc.
Transcard Payments
Walnut Insurance Inc.
Zopa Bank Limited

図表

List of Tables

Table 1 Global Embedded Finance Market Outlook, By Region (2020-2028) ($MN)
Table 2 Global Embedded Finance Market Outlook, By Type (2020-2028) ($MN)
Table 3 Global Embedded Finance Market Outlook, By Embedded Banking (2020-2028) ($MN)
Table 4 Global Embedded Finance Market Outlook, By Embedded Insurance (2020-2028) ($MN)
Table 5 Global Embedded Finance Market Outlook, By Embedded Investments (2020-2028) ($MN)
Table 6 Global Embedded Finance Market Outlook, By Embedded Lending (2020-2028) ($MN)
Table 7 Global Embedded Finance Market Outlook, By Embedded Payment (2020-2028) ($MN)
Table 8 Global Embedded Finance Market Outlook, By Business Model (2020-2028) ($MN)
Table 9 Global Embedded Finance Market Outlook, By Business-to-business (B2B) (2020-2028) ($MN)
Table 10 Global Embedded Finance Market Outlook, By Business-to-Customer (B2C) (2020-2028) ($MN)
Table 11 Global Embedded Finance Market Outlook, By Business-to-business-to-business (B2B2B) (2020-2028) ($MN)
Table 12 Global Embedded Finance Market Outlook, By Business-to-business-to-consumer (B2B2C) (2020-2028) ($MN)
Table 13 Global Embedded Finance Market Outlook, By End User (2020-2028) ($MN)
Table 14 Global Embedded Finance Market Outlook, By Loans Associations (2020-2028) ($MN)
Table 15 Global Embedded Finance Market Outlook, By Brokerage Firms (2020-2028) ($MN)
Table 16 Global Embedded Finance Market Outlook, By Healthcare (2020-2028) ($MN)
Table 17 Global Embedded Finance Market Outlook, By Insurance (2020-2028) ($MN)
Table 18 Global Embedded Finance Market Outlook, By Investment Banks & Investment (2020-2028) ($MN)
Table 19 Global Embedded Finance Market Outlook, By Logistics (2020-2028) ($MN)
Table 20 Global Embedded Finance Market Outlook, By Manufacturing (2020-2028) ($MN)
Table 21 Global Embedded Finance Market Outlook, By Mortgage (2020-2028) ($MN)
Table 22 Global Embedded Finance Market Outlook, By Retail (2020-2028) ($MN)
Table 23 Global Embedded Finance Market Outlook, By Travel & Entertainment (2020-2028) ($MN)
Table 24 North America Embedded Finance Market Outlook, By Country (2020-2028) ($MN)
Table 25 North America Embedded Finance Market Outlook, By Type (2020-2028) ($MN)
Table 26 North America Embedded Finance Market Outlook, By Embedded Banking (2020-2028) ($MN)
Table 27 North America Embedded Finance Market Outlook, By Embedded Insurance (2020-2028) ($MN)
Table 28 North America Embedded Finance Market Outlook, By Embedded Investments (2020-2028) ($MN)
Table 29 North America Embedded Finance Market Outlook, By Embedded Lending (2020-2028) ($MN)
Table 30 North America Embedded Finance Market Outlook, By Embedded Payment (2020-2028) ($MN)
Table 31 North America Embedded Finance Market Outlook, By Business Model (2020-2028) ($MN)
Table 32 North America Embedded Finance Market Outlook, By Business-to-business (B2B) (2020-2028) ($MN)
Table 33 North America Embedded Finance Market Outlook, By Business-to-Customer (B2C) (2020-2028) ($MN)
Table 34 North America Embedded Finance Market Outlook, By Business-to-business-to-business (B2B2B) (2020-2028) ($MN)
Table 35 North America Embedded Finance Market Outlook, By Business-to-business-to-consumer (B2B2C) (2020-2028) ($MN)
Table 36 North America Embedded Finance Market Outlook, By End User (2020-2028) ($MN)
Table 37 North America Embedded Finance Market Outlook, By Loans Associations (2020-2028) ($MN)
Table 38 North America Embedded Finance Market Outlook, By Brokerage Firms (2020-2028) ($MN)
Table 39 North America Embedded Finance Market Outlook, By Healthcare (2020-2028) ($MN)
Table 40 North America Embedded Finance Market Outlook, By Insurance (2020-2028) ($MN)
Table 41 North America Embedded Finance Market Outlook, By Investment Banks & Investment (2020-2028) ($MN)
Table 42 North America Embedded Finance Market Outlook, By Logistics (2020-2028) ($MN)
Table 43 North America Embedded Finance Market Outlook, By Manufacturing (2020-2028) ($MN)
Table 44 North America Embedded Finance Market Outlook, By Mortgage (2020-2028) ($MN)
Table 45 North America Embedded Finance Market Outlook, By Retail (2020-2028) ($MN)
Table 46 North America Embedded Finance Market Outlook, By Travel & Entertainment (2020-2028) ($MN)
Table 47 Europe Embedded Finance Market Outlook, By Country (2020-2028) ($MN)
Table 48 Europe Embedded Finance Market Outlook, By Type (2020-2028) ($MN)
Table 49 Europe Embedded Finance Market Outlook, By Embedded Banking (2020-2028) ($MN)
Table 50 Europe Embedded Finance Market Outlook, By Embedded Insurance (2020-2028) ($MN)
Table 51 Europe Embedded Finance Market Outlook, By Embedded Investments (2020-2028) ($MN)
Table 52 Europe Embedded Finance Market Outlook, By Embedded Lending (2020-2028) ($MN)
Table 53 Europe Embedded Finance Market Outlook, By Embedded Payment (2020-2028) ($MN)
Table 54 Europe Embedded Finance Market Outlook, By Business Model (2020-2028) ($MN)
Table 55 Europe Embedded Finance Market Outlook, By Business-to-business (B2B) (2020-2028) ($MN)
Table 56 Europe Embedded Finance Market Outlook, By Business-to-Customer (B2C) (2020-2028) ($MN)
Table 57 Europe Embedded Finance Market Outlook, By Business-to-business-to-business (B2B2B) (2020-2028) ($MN)
Table 58 Europe Embedded Finance Market Outlook, By Business-to-business-to-consumer (B2B2C) (2020-2028) ($MN)
Table 59 Europe Embedded Finance Market Outlook, By End User (2020-2028) ($MN)
Table 60 Europe Embedded Finance Market Outlook, By Loans Associations (2020-2028) ($MN)
Table 61 Europe Embedded Finance Market Outlook, By Brokerage Firms (2020-2028) ($MN)
Table 62 Europe Embedded Finance Market Outlook, By Healthcare (2020-2028) ($MN)
Table 63 Europe Embedded Finance Market Outlook, By Insurance (2020-2028) ($MN)
Table 64 Europe Embedded Finance Market Outlook, By Investment Banks & Investment (2020-2028) ($MN)
Table 65 Europe Embedded Finance Market Outlook, By Logistics (2020-2028) ($MN)
Table 66 Europe Embedded Finance Market Outlook, By Manufacturing (2020-2028) ($MN)
Table 67 Europe Embedded Finance Market Outlook, By Mortgage (2020-2028) ($MN)
Table 68 Europe Embedded Finance Market Outlook, By Retail (2020-2028) ($MN)
Table 69 Europe Embedded Finance Market Outlook, By Travel & Entertainment (2020-2028) ($MN)
Table 70 Asia Pacific Embedded Finance Market Outlook, By Country (2020-2028) ($MN)
Table 71 Asia Pacific Embedded Finance Market Outlook, By Type (2020-2028) ($MN)
Table 72 Asia Pacific Embedded Finance Market Outlook, By Embedded Banking (2020-2028) ($MN)
Table 73 Asia Pacific Embedded Finance Market Outlook, By Embedded Insurance (2020-2028) ($MN)
Table 74 Asia Pacific Embedded Finance Market Outlook, By Embedded Investments (2020-2028) ($MN)
Table 75 Asia Pacific Embedded Finance Market Outlook, By Embedded Lending (2020-2028) ($MN)
Table 76 Asia Pacific Embedded Finance Market Outlook, By Embedded Payment (2020-2028) ($MN)
Table 77 Asia Pacific Embedded Finance Market Outlook, By Business Model (2020-2028) ($MN)
Table 78 Asia Pacific Embedded Finance Market Outlook, By Business-to-business (B2B) (2020-2028) ($MN)
Table 79 Asia Pacific Embedded Finance Market Outlook, By Business-to-Customer (B2C) (2020-2028) ($MN)
Table 80 Asia Pacific Embedded Finance Market Outlook, By Business-to-business-to-business (B2B2B) (2020-2028) ($MN)
Table 81 Asia Pacific Embedded Finance Market Outlook, By Business-to-business-to-consumer (B2B2C) (2020-2028) ($MN)
Table 82 Asia Pacific Embedded Finance Market Outlook, By End User (2020-2028) ($MN)
Table 83 Asia Pacific Embedded Finance Market Outlook, By Loans Associations (2020-2028) ($MN)
Table 84 Asia Pacific Embedded Finance Market Outlook, By Brokerage Firms (2020-2028) ($MN)
Table 85 Asia Pacific Embedded Finance Market Outlook, By Healthcare (2020-2028) ($MN)
Table 86 Asia Pacific Embedded Finance Market Outlook, By Insurance (2020-2028) ($MN)
Table 87 Asia Pacific Embedded Finance Market Outlook, By Investment Banks & Investment (2020-2028) ($MN)
Table 88 Asia Pacific Embedded Finance Market Outlook, By Logistics (2020-2028) ($MN)
Table 89 Asia Pacific Embedded Finance Market Outlook, By Manufacturing (2020-2028) ($MN)
Table 90 Asia Pacific Embedded Finance Market Outlook, By Mortgage (2020-2028) ($MN)
Table 91 Asia Pacific Embedded Finance Market Outlook, By Retail (2020-2028) ($MN)
Table 92 Asia Pacific Embedded Finance Market Outlook, By Travel & Entertainment (2020-2028) ($MN)
Table 93 South America Embedded Finance Market Outlook, By Country (2020-2028) ($MN)
Table 94 South America Embedded Finance Market Outlook, By Type (2020-2028) ($MN)
Table 95 South America Embedded Finance Market Outlook, By Embedded Banking (2020-2028) ($MN)
Table 96 South America Embedded Finance Market Outlook, By Embedded Insurance (2020-2028) ($MN)
Table 97 South America Embedded Finance Market Outlook, By Embedded Investments (2020-2028) ($MN)
Table 98 South America Embedded Finance Market Outlook, By Embedded Lending (2020-2028) ($MN)
Table 99 South America Embedded Finance Market Outlook, By Embedded Payment (2020-2028) ($MN)
Table 100 South America Embedded Finance Market Outlook, By Business Model (2020-2028) ($MN)
Table 101 South America Embedded Finance Market Outlook, By Business-to-business (B2B) (2020-2028) ($MN)
Table 102 South America Embedded Finance Market Outlook, By Business-to-Customer (B2C) (2020-2028) ($MN)
Table 103 South America Embedded Finance Market Outlook, By Business-to-business-to-business (B2B2B) (2020-2028) ($MN)
Table 104 South America Embedded Finance Market Outlook, By Business-to-business-to-consumer (B2B2C) (2020-2028) ($MN)
Table 105 South America Embedded Finance Market Outlook, By End User (2020-2028) ($MN)
Table 106 South America Embedded Finance Market Outlook, By Loans Associations (2020-2028) ($MN)
Table 107 South America Embedded Finance Market Outlook, By Brokerage Firms (2020-2028) ($MN)
Table 108 South America Embedded Finance Market Outlook, By Healthcare (2020-2028) ($MN)
Table 109 South America Embedded Finance Market Outlook, By Insurance (2020-2028) ($MN)
Table 110 South America Embedded Finance Market Outlook, By Investment Banks & Investment (2020-2028) ($MN)
Table 111 South America Embedded Finance Market Outlook, By Logistics (2020-2028) ($MN)
Table 112 South America Embedded Finance Market Outlook, By Manufacturing (2020-2028) ($MN)
Table 113 South America Embedded Finance Market Outlook, By Mortgage (2020-2028) ($MN)
Table 114 South America Embedded Finance Market Outlook, By Retail (2020-2028) ($MN)
Table 115 South America Embedded Finance Market Outlook, By Travel & Entertainment (2020-2028) ($MN)
Table 116 Middle East & Africa Embedded Finance Market Outlook, By Country (2020-2028) ($MN)
Table 117 Middle East & Africa Embedded Finance Market Outlook, By Type (2020-2028) ($MN)
Table 118 Middle East & Africa Embedded Finance Market Outlook, By Embedded Banking (2020-2028) ($MN)
Table 119 Middle East & Africa Embedded Finance Market Outlook, By Embedded Insurance (2020-2028) ($MN)
Table 120 Middle East & Africa Embedded Finance Market Outlook, By Embedded Investments (2020-2028) ($MN)
Table 121 Middle East & Africa Embedded Finance Market Outlook, By Embedded Lending (2020-2028) ($MN)
Table 122 Middle East & Africa Embedded Finance Market Outlook, By Embedded Payment (2020-2028) ($MN)
Table 123 Middle East & Africa Embedded Finance Market Outlook, By Business Model (2020-2028) ($MN)
Table 124 Middle East & Africa Embedded Finance Market Outlook, By Business-to-business (B2B) (2020-2028) ($MN)
Table 125 Middle East & Africa Embedded Finance Market Outlook, By Business-to-Customer (B2C) (2020-2028) ($MN)
Table 126 Middle East & Africa Embedded Finance Market Outlook, By Business-to-business-to-business (B2B2B) (2020-2028) ($MN)
Table 127 Middle East & Africa Embedded Finance Market Outlook, By Business-to-business-to-consumer (B2B2C) (2020-2028) ($MN)
Table 128 Middle East & Africa Embedded Finance Market Outlook, By End User (2020-2028) ($MN)
Table 129 Middle East & Africa Embedded Finance Market Outlook, By Loans Associations (2020-2028) ($MN)
Table 130 Middle East & Africa Embedded Finance Market Outlook, By Brokerage Firms (2020-2028) ($MN)
Table 131 Middle East & Africa Embedded Finance Market Outlook, By Healthcare (2020-2028) ($MN)
Table 132 Middle East & Africa Embedded Finance Market Outlook, By Insurance (2020-2028) ($MN)
Table 133 Middle East & Africa Embedded Finance Market Outlook, By Investment Banks & Investment (2020-2028) ($MN)
Table 134 Middle East & Africa Embedded Finance Market Outlook, By Logistics (2020-2028) ($MN)
Table 135 Middle East & Africa Embedded Finance Market Outlook, By Manufacturing (2020-2028) ($MN)
Table 136 Middle East & Africa Embedded Finance Market Outlook, By Mortgage (2020-2028) ($MN)
Table 137 Middle East & Africa Embedded Finance Market Outlook, By Retail (2020-2028) ($MN)
Table 138 Middle East & Africa Embedded Finance Market Outlook, By Travel & Entertainment (2020-2028) ($MN)

Product Code: SMRC23116

According to Stratistics MRC, the Global Embedded Finance Market is accounted for $54.3 billion in 2022 and is expected to reach $149.5 billion by 2028 growing at a CAGR of 18.4% during the forecast period. The placement of a financial product in a nonfinancial customer experience, journey, or platform is known as embedded finance. Nonbanks have been providing financial services through private-label credit cards at retail chains, grocers, and airlines for many years. Sales financing for appliances at retailers and auto loans at dealerships are two additional prevalent examples of embedded finance. These kinds of agreements serve as a conduit for the banks that support them to communicate with end users. Fundamental modifications in business, consumer, and merchant behavior, as well as technological advancements, have made embedded finance possible.

According to the survey by Aion Bank in May 2022, around 74% of European retailers have rolled on the embedded finance offerings to their customers.

Market Dynamics:

Driver:

Increasing e-commerce services

Over the forecast period, it is anticipated that the growth in e-commerce and online shopping around the world will drive market growth. This is due to the incorporation of financial services into e-commerce platforms, which has allowed for seamless and practical customer experiences. The e-commerce businesses incorporate financial services, including payments, lending, and insurance. For instance, a number of e-commerce sites, including Amazon.com and Wix e-commerce, offer their customers the option to pay later using a buy now option. As a result, the embedded finance industry is anticipated to soar.

Restraint:

Slow adoption of new technology in banks

There are obstacles that might prevent embedded finance from expanding in the future. Key enablers for embedded finance include open banking, BaaS, and payment APIs. While all of these have progressed to the point where embedded finance is economically viable, this is not true for all markets, so embedded finance's prospects are not guaranteed. Furthermore, financial institutions like banks are notorious for being among the last to adopt new technology, and this is still true today with many banks still relying on antiquated systems. For banks, embedded finance means working with non-fintech companies and taking on a less significant role for the end user, which will be very challenging for them to accept.

Opportunity:

Inclusion of AI in lending platforms

Vendors of embedded finance solutions are integrating their offerings and personalizing them for customers. The Internet of Things (IoT) integration with embedded payment options, machine learning for embedded investment programs, and AI integration into lending platforms are all examples of this. The end-user experience is improved by these features, which also continuously alter market trends. The adoption of embedded financial practices across industries is being driven by the use of cloud-based platforms to streamline numerous complex operations, which is also driving demand for embedded financial services.

Threat:

Risk of taking on too many loans

As credit becomes more widely available, consumers might feel compelled to take out more, smaller loans. When a consumer has multiple ones, the payments for these can add up over time. In that case, they might end up with more debt than they anticipated and stop making payments. A quick Google search reveals that borrowers worry that embedded finance will affect their overall credit score, and as embedded finance becomes more widely available, the market will also need to address the problem of related debt defaulting. Such aspects hinder the market's expansion.

COVID-19 Impact:

The COVID-19 pandemic had a favorable effect on the development of the embedded finance sector. Traditional banking services have been impacted by social distance rules and norms, which has increased demand for online banking services. For instance, nearly 60% of the surveyed fintech firms reported the launch of new products and services, according to a global study titled COVID-19 FinTech Market Rapid Assessment. Additionally, the growth of e-commerce and online shopping patterns throughout and after the COVID-19 pandemic has sped up the adoption of embedded finance solutions, supporting the market's expansion.

The investment banks & investment segment is expected to be the largest during the forecast period

During the forecast period, the investment banks and investment segment is anticipated to account for the largest share. Rising start-ups and the demand for large investments are the driving forces behind the expansion of this market. Sales of embedded finance solutions are rising as a result of rising demand for these investment services and the integration of embedded fintech services, which is propelling the segment's growth.

The embedded lending segment is expected to have the highest CAGR during the forecast period

Over the forecast period, it is anticipated that the embedded lending segment will grow at the highest rate. The rising need for simple and quick access to funds can be blamed for the rapid expansion of embedded lending. Nearly 45% of loans may be repaid in non-financial circumstances over the course of the next five years, according to the Future of Customer Experience in Embedded Lending survey, which was conducted in December 2022 among 350 senior executives from the global lending industry. Furthermore, 93% of respondents thought that embedding lending would result in simple loan applications. Therefore, over the course of the forecast period, the aforementioned factors are expected to fuel the segment's growth.

Region with largest share:

In 2022, the market was dominated by the North American region, which had a revenue share of over 26.0% and is expected to be dominant throughout the forecast period. The region's market is anticipated to grow as a result of the presence of major market players. In order to hasten the adoption of embedded finance, startups in the region are also taking part in fundraising activities. American-based small and medium-sized businesses are having trouble getting bank loans. As a result, more companies are looking for alternative sources of funding. Additionally, a rise in funding activities is anticipated to support the creation of novel products and technologies in the North American region.

Region with highest CAGR:

Over the forecast period, the Asia-Pacific region is expected to experience the highest growth. The initiatives taken by various market players are responsible for the growth of the Asia-Pacific region. For instance, the launch of the embedded finance hub in Singapore was announced by audit, tax, and advisory services provider KPMG Services Pte. Ltd. in October 2022. By providing assistance to businesses and financial institutions, the launch of the embedded finance hub aimed to hasten the adoption of embedded finance services throughout the nation. Additionally, the expansion of the embedded finance sector in the Asia-Pacific region is encouraged by the region's expanding e-commerce market.

Key players in the market:

Some of the key players profiled in the Embedded Finance Market include Banxware, Cross River ban, Cybrid Technology Inc., Finastra, Finix, Fluenccy Pty Limited, Flywire, Fortis Payment Systems, LLC, Lendflow, OpenPayd, PAYRIX, Railsbank, Stripe, Inc., Transcard Payments, Walnut Insurance Inc. and Zopa Bank Limited.

Key Developments:

In May 2023, Decentro, a leading financial infrastructure company, has launched Flow and Fabric, two complete end-to-end payments and embedded banking stacks, to help businesses with a smooth onboarding experience and management of financial products. The new modules have been introduced to offer a full-stack experience to Decentro's growing customer base.

In April 2023, Maast has introduced embedded finance solutions for software providers and vendors to help them attract new clients, improve revenue per customer, and enhance existing customer relationships.

In March 2023, Antworks Money, an Indian Neo Banking Platform has signed an Agreement with Swedish Software company Vopy, which supplies technology for embedded finance solutions. The agreement means that the partners together will build an embedded finance platform for the Indian business community.

Types Covered:

Embedded Banking
Embedded Insurance
Embedded Investments
Embedded Lending
Embedded Payment

Business Models Covered:

Business-to-business (B2B)
Business-to-Customer (B2C)
Business-to-business-to-business (B2B2B)
Business-to-business-to-consumer (B2B2C)

End Users Covered:

Loans Associations
Brokerage Firms
Healthcare
Insurance
Investment Banks & Investment
Logistics
Manufacturing
Mortgage
Retail
Travel & Entertainment

Regions Covered:

North America
- US
- Canada
- Mexico
Europe
- Germany
- UK
- Italy
- France
- Spain
- Rest of Europe
Asia Pacific
- Japan
- China
- India
- Australia
- New Zealand
- South Korea
- Rest of Asia Pacific
South America
- Argentina
- Brazil
- Chile
- Rest of South America
Middle East & Africa
- Saudi Arabia
- UAE
- Qatar
- South Africa
- Rest of Middle East & Africa

What our report offers:

Market share assessments for the regional and country-level segments
Strategic recommendations for the new entrants
Covers Market data for the years 2020, 2021, 2022, 2025, and 2028
Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
Strategic recommendations in key business segments based on the market estimations
Competitive landscaping mapping the key common trends
Company profiling with detailed strategies, financials, and recent developments
Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

Company Profiling
- Comprehensive profiling of additional market players (up to 3)
- SWOT Analysis of key players (up to 3)
Regional Segmentation
- Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
Competitive Benchmarking
- Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

1 Executive Summary

2 Preface

2.1 Abstract
2.2 Stake Holders
2.3 Research Scope
2.4 Research Methodology
- 2.4.1 Data Mining
- 2.4.2 Data Analysis
- 2.4.3 Data Validation
- 2.4.4 Research Approach
2.5 Research Sources
- 2.5.1 Primary Research Sources
- 2.5.2 Secondary Research Sources
- 2.5.3 Assumptions

3 Market Trend Analysis

3.1 Introduction
3.2 Drivers
3.3 Restraints
3.4 Opportunities
3.5 Threats
3.6 End User Analysis
3.7 Emerging Markets
3.8 Impact of Covid-19

4 Porters Five Force Analysis

4.1 Bargaining power of suppliers
4.2 Bargaining power of buyers
4.3 Threat of substitutes
4.4 Threat of new entrants
4.5 Competitive rivalry

5 Global Embedded Finance Market, By Type

5.1 Introduction
5.2 Embedded Banking
5.3 Embedded Insurance
5.4 Embedded Investments
5.5 Embedded Lending
5.6 Embedded Payment

6 Global Embedded Finance Market, By Business Model

6.1 Introduction
6.2 Business-to-business (B2B)
6.3 Business-to-Customer (B2C)
6.4 Business-to-business-to-business (B2B2B)
6.5 Business-to-business-to-consumer (B2B2C)

7 Global Embedded Finance Market, By End User

7.1 Introduction
7.2 Loans Associations
7.3 Brokerage Firms
7.4 Healthcare
7.5 Insurance
7.6 Investment Banks & Investment
7.7 Logistics
7.8 Manufacturing
7.9 Mortgage
7.10 Retail
7.11 Travel & Entertainment

8 Global Embedded Finance Market, By Geography

8.1 Introduction
8.2 North America
- 8.2.1 US
- 8.2.2 Canada
- 8.2.3 Mexico
8.3 Europe
- 8.3.1 Germany
- 8.3.2 UK
- 8.3.3 Italy
- 8.3.4 France
- 8.3.5 Spain
- 8.3.6 Rest of Europe
8.4 Asia Pacific
- 8.4.1 Japan
- 8.4.2 China
- 8.4.3 India
- 8.4.4 Australia
- 8.4.5 New Zealand
- 8.4.6 South Korea
- 8.4.7 Rest of Asia Pacific
8.5 South America
- 8.5.1 Argentina
- 8.5.2 Brazil
- 8.5.3 Chile
- 8.5.4 Rest of South America
8.6 Middle East & Africa
- 8.6.1 Saudi Arabia
- 8.6.2 UAE
- 8.6.3 Qatar
- 8.6.4 South Africa
- 8.6.5 Rest of Middle East & Africa

9 Key Developments

9.1 Agreements, Partnerships, Collaborations and Joint Ventures
9.2 Acquisitions & Mergers
9.3 New Product Launch
9.4 Expansions
9.5 Other Key Strategies

10 Company Profiling

10.1 Banxware
10.2 Cross River ban
10.3 Cybrid Technology Inc.
10.4 Finastra
10.5 Finix
10.6 Fluenccy Pty Limited
10.7 Flywire
10.8 Fortis Payment Systems, LLC
10.9 Lendflow
10.10 OpenPayd
10.11 PAYRIX
10.12 Railsbank
10.13 Stripe, Inc.
10.14 Transcard Payments
10.15 Walnut Insurance Inc.
10.16 Zopa Bank Limited