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市場調查報告書
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1665163

嵌入式金融市場報告：趨勢、預測與競爭分析（至 2031 年）

Embedded Finance Market Report: Trends, Forecast and Competitive Analysis to 2031
出版日期: | 出版商: Lucintel | 英文 150 Pages | 商品交期: 3個工作天內

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簡介目錄

未來全球嵌入式金融市場很可能在零售、醫療保健、物流、製造以及旅遊和娛樂市場中看到機會。預計2025年至2031年期間全球嵌入式金融市場的複合年成長率為32.4%。該市場的主要驅動力在於：隨著網際網路和智慧型手機的使用不斷增加，基於行動的數位金融服務被廣泛接受，金融和銀行等多個領域的數位化不斷提高，以及全球電子商務和網路購物的成長。

  • Lucintel 預測，按照類型來看，嵌入式付款將在整個預測期間佔據最大的佔有率，因為與傳統的發票方法相比，嵌入式支付為企業提供了更快、更有效的收款方式。
  • 根據最終用途，零售業預計將繼續成為最大的細分市場，因為它正在大力投資嵌入式金融系統，為客戶提供嵌入式金融服務。
  • 根據地區，由於北美地區擁有大量市場參與企業，預計在預測期內北美仍將是最大的地區。

嵌入式金融市場的策略成長機會

在不斷發展的技術與不斷變化的客戶期望的推動下，嵌入式金融市場在多個應用領域提供了多種策略成長機會。

  • 電子商務中的嵌入式付款：將各種付款方式直接整合到電子商務網站具有巨大的成長潛力。透過簡化付款並提高付款階段的客戶便利性，您可以改善整體消費者體驗。
  • 在零售業中整合 BNPL：擴大零售平台內的先買後付選項有助於吸引和留住客戶。這為支付方式提供了靈活性，從而可以增加銷售額和忠誠度。
  • 將保險嵌入旅遊和電子商務：在旅遊和電子商務平台上銷售保險為顧客在網上購物時購買保險創造了機會。這樣的整合改善了客戶體驗並擴大了保險覆蓋範圍。
  • 與金融科技公司合作：與金融科技公司合作，將保險索賠嵌入各個平台將開闢成長途徑。這樣的夥伴關係帶來了改進的功能和增強的創造力，從而擴大了市場覆蓋範圍。
  • 透過數位平台實現金融包容性：利用嵌入式金融來增加資金取得是一個成長機會。如果這些產品能夠融入市場參與企業使用的服務中，那麼這將為增加參與度和服務獲取創造機會。

這些特定的成長領域展現了嵌入式付款、內建保險的 BNPL 場景、與金融科技的合作以及金融包容性的潛力。透過利用這些前景，公司可以加強其經濟地位並推動其嵌入式金融業務的成長。

嵌入式金融市場的促進因素與挑戰

嵌入式金融市場面臨著多種影響其成長和發展的因素和挑戰。

推動嵌入式金融市場的因素包括：

  • 技術發展：隨著人工智慧等先進技術和透過 API 的創新整合使得將金融嵌入非金融參與平台並創造更豐富的體驗變得更加容易，嵌入式金融市場正在不斷擴大。
  • 便捷付款的興起：消費者現在想要更整合的付款解決方案。透過在數位平台上整合支付方式來嵌入金融，可以滿足這項需求，從而提高交易的便利性和滿意度。
  • 電子商務和數位平台的興起：電子商務和數位平台的成長為嵌入式金融提供了更多的機會。隨著電子商務的快速發展，融入電子商務的金融服務的需求也日益成長。
  • BNPL 解決方案的採用日益廣泛：嵌入式金融市場也受益於對 BNPL 解決方案的傾斜。零售商和電子商務平台採用 BNPL 解決方案將實現更靈活的付款並提高消費者的購買力。
  • 注重金融包容性：這是因為我們決心透過將金融服務嵌入可存取的平台，讓以前被忽視的個人也能獲得金融資源。嵌入式金融可以幫助填補金融服務的空白，使人們能夠更廣泛地參與經濟活動。

嵌入式金融市場的挑戰包括：

  • 監理合規性：解決法規：合規基礎設施對於嵌入式金融來說是一個挑戰，因為它需要在眾多法規中進行探索。遵守金融市場和資料安全法的原則對於加強努力實現服務無縫融入競爭市場至關重要。
  • 安全問題 隨著金融服務融入各種系統，資料風險和詐欺問題變得明顯。為了保護用戶的財務資料，公司必須投入大量技術資源來防止此類問題。
  • 市場競爭：這個市場是充滿活力的，因為它正經歷著來自眾多參與者和技術的激烈競爭。市場競爭採用激進的行銷策略，這可能會使您在瞄準合適的客戶方面處於不利地位。
  • 整合複雜性：金融服務不是孤立提供的，而是與非金融產品結合，這帶來了技術複雜性。維持這種整合是一項挑戰，因為它需要平衡系統的整合與使用者從系統獲得的效能和體驗。
  • 消費者信任很重要：嵌入式金融從業人員和計劃者需要贏得併維持消費者信任。為了贏得並維持消費者的信任，您需要提供能夠培養消費者信任的實踐，包括透明度、資料保護和真實性。

嵌入式金融市場的成長歸因於技術的發展、無摩擦付款的需求、電子商務的成長、先買後付系統的日益普及以及對金融包容性的追求。然而，要讓這個市場支持其潛在成長，必須解決繁重的監管控制、安全問題、競爭飽和、複雜的整合和消費者接受度等障礙。

目錄

第1章執行摘要

第2章 全球嵌入式金融市場：市場動態

  • 簡介、背景和分類
  • 供應鏈
  • 產業促進因素與挑戰

第 3 章 市場趨勢與預測分析（2019-2031）

  • 宏觀經濟趨勢（2019-2024）與預測（2025-2031）
  • 全球嵌入式金融市場趨勢（2019-2024）及預測（2025-2031）
  • 全球嵌入式金融市場類型
    • 嵌入式付款
    • 嵌入式保險
    • 嵌入式投資
    • 嵌入式融資
    • 嵌入式業務
  • 全球嵌入式金融市場（按經營模式）
    • B2B
    • B2C
    • B2B2B
    • B2B2C
  • 全球嵌入式金融市場（按最終用途分類）
    • 零售
    • 醫療
    • 物流
    • 製造業
    • 旅遊與娛樂
    • 其他

第 4 章區域市場趨勢與預測分析（2019-2031 年）

  • 全球嵌入式金融市場（按地區）
  • 北美嵌入式金融市場
  • 歐洲嵌入式金融市場
  • 亞太嵌入式金融市場
  • 世界其他地區嵌入式金融市場

第5章 競爭分析

  • 產品系列分析
  • 營運整合
  • 波特五力分析

第6章 成長機會與策略分析

  • 成長機會分析
    • 全球嵌入式金融市場成長機會（按類型）
    • 全球嵌入式金融市場按經營模式分類的成長機會
    • 全球嵌入式金融市場成長機會（依最終用途分類）
    • 全球嵌入式金融市場成長機會（按地區）
  • 全球嵌入式金融市場新趨勢
  • 戰略分析
    • 新產品開發
    • 全球嵌入式金融市場的產能擴張
    • 全球嵌入式金融市場的企業合併
    • 認證和許可

第7章主要企業簡介

  • Stripe
  • PAYRIX
  • Cybrid Technology
  • Walnut Insurance
  • Lendflow
  • Finastra
  • Zopa Bank
  • Fortis Payment Systems
  • Transcard
  • Fluenccy
簡介目錄

The future of the global embedded finance market looks promising with opportunities in the retail, healthcare, logistics, manufacturing, and travel & entertainment markets. The global embedded finance market is expected to grow with a CAGR of 32.4% from 2025 to 2031. The major drivers for this market are the widespread acceptance of digital mobile-based financial services as a result of rising internet and smartphone use, growing digitalization in several sectors, including finance and banking, along growth in e-commerce and online shopping across the globe.

  • Lucintel forecasts that, within the type category, the embedded payment segment will remain the largest segment over the forecast period because it provides businesses with a speedier and more effective means to receive payments compared to traditional invoicing techniques.
  • Within the end use category, retail will remain the largest segment because they are aggressively investing in embedded finance systems to provide embedded financial services to its clients.
  • In terms of regions, North America will remain the largest region over the forecast period due to the presence of significant market participants throughout the area.

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Emerging Trends in the Embedded Finance Market

A detailed analysis has shown that a number of factors will continue to dictate the growth of the embedded finance market. These trends highlight the deepening penetration of treasury functions within thickening non-treasury platforms and applications.

  • Adoption of Fintech Ecosystems: Delivery of integrated financial services to users hitherto strictly non-financial platforms is a growing phenomenon among fintech companies. This aspect integrates a number of financial transactions such as payments, lending, and insurance into digital platforms.
  • Surge of Embedded Payment Solutions: Companies launching embedded payment solutions increasingly drive the trend of embedding payments into apps and sites of businesses. Not only does this integration eliminate payment-related processes, but it also leaves the customers satisfied.
  • Increasing Accessibility of BNPL: The BNPL model is being integrated into numerous e-commerce deployments which aim at consumers being able to make several purchases and pay for them later. This trend is becoming very popular, helping in spending as consumers receive attractive flexible payment options.
  • Existence of Embedded Insurance Coverage: Insurers are integrating their offerings into the digital space in the form of e-commerce or travel apps. This integration means that consumers can purchase insurance products on the go, particularly during the buying process, without feeling the hassles.
  • Emergence of Embedded Finance: Cross-industry mobilization of economies is making access to financial services at a level that was previously impossible or doubtful. This trend tries to fill the gaps in the access of finances and even create new markets for the underserved people.

These trends are innovating the embedded finance market by promoting better integration of services, easier transactions, more ways to pay, and greater inclusion. All of them indicate the transformation of financial services offered via web platforms to the model of digital embedding.

Recent Developments in the Embedded Finance Market

Market changes toward embedded finance enhanced most of the core functions of financial services by broadening their scope and providing them in a digitalized manner.

  • Expansion of Embedded Payments: It is a trend where aspects of payment are incorporated into non-payment environments, for example, e-commerce and mobile applications, among others. This advancement ameliorates how customers respond because it gets rid of the tedious processes involved in payments and instead places the payment process within the interactions of consumers.
  • Advancement in BNPL Solutions: The BNPL business model will gain traction as it is offered on more e-commerce sites, hence enabling customers to buy and make payments later. This integration stimulates broader spending and higher flexibility in the payment.
  • Integration of Embedded Insurance: Insurance companies embed their products into digital experiences, which allows users to purchase digital insurance in a frictionless manner. This incorporation improves the ease of buying insurance and enhances its scope.
  • Partnerships Between Multifunctional FinTechs and Non-Financial Platforms: There is an increasing interest in partnerships between fintech and non-financial platforms. Together they deliver credit/funds payments on different platforms and make them more engaging.
  • Increased Attention towards Regulatory Adherence: With the advancement of embedded finance comes the importance placed on the need to be regulatory compliant. There's a shift towards investing in systems that would help in compliance with rules and regulations, as well as banking services integration.

Such changes are driving the vast development of embedded finance by enriching the payment processing, broadening the insurance landscape, building fintech relationships, and improving the legal aspects. They all relate to the gradual movement of financial services towards being more unified and easier to access.

Strategic Growth Opportunities for Embedded Finance Market

The embedded finance market offers several strategic growth opportunities concerning the embedded finance market across several application segments as driven by technological evolution and changing customer expectations.

  • Embedded Payments in E-Commerce: There is a huge growth potential in incorporating various payment methods directly on e-commerce sites. It improves the overall experience of the consumer by facilitating payments and making it easy for customers during the payment stage.
  • BNPL Integration in Retail: Growing Buy Now Pay Later options inside retail platforms helps to win and keep customers. This offers suitability in terms of how payment can be done and can boost the amount of sales and loyalty.
  • Embedded Insurance in Travel and E-Commerce: Marketing insurance on travel as well as e-commerce platforms opens up opportunities where customers can buy protection whilst making a purchase online. Such integration improves the experience of customers and expands the coverage of insurance.
  • Partnerships with FinTechs: Working with financial technology companies to embed money into various platforms provides avenues for growth. Such partnerships can provide enhanced functionality and boost creativity, translating to wider market coverage.
  • Financial Inclusion through Digital Platforms: The use of embedded finance for increasing financial access is a growth opportunity. There is an opportunity for firms to increase participation and access to services if these products can be embedded in services used by captive markets.

These particular areas of growth demonstrate the potential embedded payments, and BNPL scenarios, where insurance can be integrated into offerings, fintech collaborations, and financial inclusion may hold. By taking advantage of these prospects, companies will strengthen their economic position and promote the growth of the embedded finance business.

Embedded Finance Market Driver and Challenges

The embedded finance market has loads of drivers and challenges affecting its growth and development.

The factors responsible for driving the embedded finance market include:

  • Technological Development: The embedded finance market is expanding because advanced technologies such as AI and innovative integrations by the API facilitate embedding finance within non-financial engagement platforms, thus broadening the experience.
  • Rising Adoption of Convenient Payments: Consumers now want payment solutions that are more integrated. This need has been met by embedded finance through integrating payment methods on digital platforms, advancing the ease of transacting and satisfaction.
  • Increase of E-Commerce and Digital Platforms: Further embedded finance affords opportunities with the growth of e-commerce and digital platforms. As e-commerce continues to burgeon, so does the need for financial services embedded into the same.
  • Growth of BNPL Solutions Adoption: The embedded finance market is also benefiting from the bias towards BNPL solutions. Adoption of BNPL solutions in retail and e-commerce platforms encourages more payment flexibility and higher purchasing power of consumers.
  • Emphasis on Financial Inclusion: This is due to the determination to allow access to financial resources to the previously neglected individuals through the incorporation of financial services on available platforms. Built-in finance aids in filling voids in access to financial services and enabling wider participation in the economy.

Challenges in the embedded finance market are:

  • Regulatory Compliance: Infrastructure for compliance is a challenge for embedded finance navigating regulatory waters. In order to enhance the efforts focused on achieving the seamless integration of services into a competitive market, it is very important to adhere to the principles put forth in legislation regarding financial markets and data security.
  • Security Concerns: The incorporation of financial services into different systems exposes a challenge of data risk and fraud problems. Companies must invest heavily in technological resources to prevent these problems to safeguard the financial data of their users.
  • Market Competition: This market is dynamic because it experiences a lot of competition from numerous players as well as technology. Market competition has aggressive marketing tactics which could be detrimental in targeting the right customers.
  • Integration Complexity: Financial services do not come alone; they are integrated into products of non-financial nature, which has its technical complexity. Maintaining this integration poses difficulties in striking a balance between systems integration and the performance and/or experience the user gets from the system.
  • Consumer Trust Issues: Practitioners and proponents of embedded finance need to earn and sustain the trust of their consumers. Practices that foster trust with consumers, including transparency, data protection, and reliability, need to be offered in order to earn and sustain consumer trust.

The embedded finance market growth can be attributed to the evolution of technology, the need for frictionless payments, e-commerce growth, the emerging popularity of buy now pay later systems, and the struggle for financial inclusion. However, this market supports potential growth that requires these barriers to be addressed: regulatory control burdens, concerns over security, competition saturation, complex integration, and consumer acceptance.

List of Embedded Finance Companies

Companies in the market compete on the basis of product quality offered. Major players in this market focus on expanding their manufacturing facilities, R&D investments, infrastructural development, and leverage integration opportunities across the value chain. Through these strategies embedded finance companies cater increasing demand, ensure competitive effectiveness, develop innovative products & technologies, reduce production costs, and expand their customer base. Some of the embedded finance companies profiled in this report include-

  • Stripe
  • PAYRIX
  • Cybrid Technology
  • Walnut Insurance
  • Lendflow
  • Finastra
  • Zopa Bank
  • Fortis Payment Systems
  • Transcard
  • Fluenccy

Embedded Finance by Segment

The study includes a forecast for the global embedded finance market by type, business model, end use, and region.

Embedded Finance Market by Type [Analysis by Value from 2019 to 2031]:

  • Embedded Payment
  • Embedded Insurance
  • Embedded Investment
  • Embedded Lending
  • Embedded Banking

Embedded Finance Market by Business Model [Analysis by Value from 2019 to 2031]:

  • B2B
  • B2C
  • B2B2B
  • B2B2C

Embedded Finance Market by End Use [Analysis by Value from 2019 to 2031]:

  • Retail
  • Healthcare
  • Logistics
  • Manufacturing
  • Travel & Entertainment
  • Others

Embedded Finance Market by Region [Analysis by Value from 2019 to 2031]:

  • North America
  • Europe
  • Asia Pacific
  • The Rest of the World

Country Wise Outlook for the Embedded Finance Market

Major players in the market are expanding their operations and forming strategic partnerships to strengthen their positions. Recent developments by major embedded finance producers in key regions include the USA, China, India, Japan, and Germany.

  • United States: In the United States, embedded finance is on the rise as tech cultures and fintech embrace payment methods on their platforms. Payment and lending service provision are being included in Stripe and Square's services with the aim of improving user experience and speeding up transaction processes.
  • China: Embedded finance in China has developed with the use of mobile payment applications such as Alipay and WeChat Pay, which are increasingly incorporated with online shopping sites and traditional services. Such structuring provides ease of interaction and development of digital financial systems.
  • Germany: In Germany, the retail and tourism industry adopts embedded finance, which is on the rise. Consumers can expect banks and fintech to work in harmony and introduce convenient payment and other services embedded in apps and websites used by consumers.
  • India: In India, embedded finance is in an expansion mode due to the rise of fintech companies that focus on financial services being integrated within the digital arena. Organizations are looking at a more straightforward way of disbursing loans and repayments through mobile devices, encouraging all forms of payments.
  • Japan: Japan is getting involved in more embedded finance concerning portable devices, e-wallets, and payment formats. This modernization of the financial industry, even through the use of mobile devices, assists in common transactions.

Features of the Global Embedded Finance Market

Market Size Estimates: Embedded finance market size estimation in terms of value ($B).

Trend and Forecast Analysis: Market trends (2019 to 2024) and forecast (2025 to 2031) by various segments and regions.

Segmentation Analysis: Embedded finance market size by type, business model, end use, and region in terms of value ($B).

Regional Analysis: Embedded finance market breakdown by North America, Europe, Asia Pacific, and Rest of the World.

Growth Opportunities: Analysis of growth opportunities in different type, business model, end use, and regions for the embedded finance market.

Strategic Analysis: This includes M&A, new product development, and competitive landscape of the embedded finance market.

Analysis of competitive intensity of the industry based on Porter's Five Forces model.

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This report answers following 11 key questions:

  • Q.1. What are some of the most promising, high-growth opportunities for the embedded finance market by type (embedded payment, embedded insurance, embedded investment, embedded lending, and embedded banking), business model (B2B, B2C, B2B2B, and B2B2C), end use (retail, healthcare, logistics, manufacturing, travel & entertainment, and others), and region (North America, Europe, Asia Pacific, and the Rest of the World)?
  • Q.2. Which segments will grow at a faster pace and why?
  • Q.3. Which region will grow at a faster pace and why?
  • Q.4. What are the key factors affecting market dynamics? What are the key challenges and business risks in this market?
  • Q.5. What are the business risks and competitive threats in this market?
  • Q.6. What are the emerging trends in this market and the reasons behind them?
  • Q.7. What are some of the changing demands of customers in the market?
  • Q.8. What are the new developments in the market? Which companies are leading these developments?
  • Q.9. Who are the major players in this market? What strategic initiatives are key players pursuing for business growth?
  • Q.10. What are some of the competing products in this market and how big of a threat do they pose for loss of market share by material or product substitution?
  • Q.11. What M&A activity has occurred in the last 5 years and what has its impact been on the industry?

Table of Contents

1. Executive Summary

2. Global Embedded Finance Market : Market Dynamics

  • 2.1: Introduction, Background, and Classifications
  • 2.2: Supply Chain
  • 2.3: Industry Drivers and Challenges

3. Market Trends and Forecast Analysis from 2019 to 2031

  • 3.1. Macroeconomic Trends (2019-2024) and Forecast (2025-2031)
  • 3.2. Global Embedded Finance Market Trends (2019-2024) and Forecast (2025-2031)
  • 3.3: Global Embedded Finance Market by Type
    • 3.3.1: Embedded Payment
    • 3.3.2: Embedded Insurance
    • 3.3.3: Embedded Investment
    • 3.3.4: Embedded Lending
    • 3.3.5: Embedded Banking
  • 3.4: Global Embedded Finance Market by Business Model
    • 3.4.1: B2B
    • 3.4.2: B2C
    • 3.4.3: B2B2B
    • 3.4.4: B2B2C
  • 3.5: Global Embedded Finance Market by End Use
    • 3.5.1: Retail
    • 3.5.2: Healthcare
    • 3.5.3: Logistics
    • 3.5.4: Manufacturing
    • 3.5.5: Travel & Entertainment
    • 3.5.6: Others

4. Market Trends and Forecast Analysis by Region from 2019 to 2031

  • 4.1: Global Embedded Finance Market by Region
  • 4.2: North American Embedded Finance Market
    • 4.2.1: North American Embedded Finance Market by Type: Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending, and Embedded Banking
    • 4.2.2: North American Embedded Finance Market by End Use: Retail, Healthcare, Logistics, Manufacturing, Travel & Entertainment, and Others
  • 4.3: European Embedded Finance Market
    • 4.3.1: European Embedded Finance Market by Type: Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending, and Embedded Banking
    • 4.3.2: European Embedded Finance Market by End Use: Retail, Healthcare, Logistics, Manufacturing, Travel & Entertainment, and Others
  • 4.4: APAC Embedded Finance Market
    • 4.4.1: APAC Embedded Finance Market by Type: Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending, and Embedded Banking
    • 4.4.2: APAC Embedded Finance Market by End Use: Retail, Healthcare, Logistics, Manufacturing, Travel & Entertainment, and Others
  • 4.5: ROW Embedded Finance Market
    • 4.5.1: ROW Embedded Finance Market by Type: Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending, and Embedded Banking
    • 4.5.2: ROW Embedded Finance Market by End Use: Retail, Healthcare, Logistics, Manufacturing, Travel & Entertainment, and Others

5. Competitor Analysis

  • 5.1: Product Portfolio Analysis
  • 5.2: Operational Integration
  • 5.3: Porter's Five Forces Analysis

6. Growth Opportunities and Strategic Analysis

  • 6.1: Growth Opportunity Analysis
    • 6.1.1: Growth Opportunities for the Global Embedded Finance Market by Type
    • 6.1.2: Growth Opportunities for the Global Embedded Finance Market by Business Model
    • 6.1.3: Growth Opportunities for the Global Embedded Finance Market by End Use
    • 6.1.4: Growth Opportunities for the Global Embedded Finance Market by Region
  • 6.2: Emerging Trends in the Global Embedded Finance Market
  • 6.3: Strategic Analysis
    • 6.3.1: New Product Development
    • 6.3.2: Capacity Expansion of the Global Embedded Finance Market
    • 6.3.3: Mergers, Acquisitions, and Joint Ventures in the Global Embedded Finance Market
    • 6.3.4: Certification and Licensing

7. Company Profiles of Leading Players

  • 7.1: Stripe
  • 7.2: PAYRIX
  • 7.3: Cybrid Technology
  • 7.4: Walnut Insurance
  • 7.5: Lendflow
  • 7.6: Finastra
  • 7.7: Zopa Bank
  • 7.8: Fortis Payment Systems
  • 7.9: Transcard
  • 7.10: Fluenccy