시장보고서
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1488632

임베디드 금융 시장 : 금융 유형별, 비즈니스 모델별, 최종 용도별, 지역별, 기회, 예측(2017-2031년)

Embedded Finance Market Assessment, By Finance Type, By Business Model, By End-use, By Region, Opportunities and Forecast, 2017-2031F

발행일: | 리서치사: Market Xcel - Markets and Data | 페이지 정보: 영문 235 Pages | 배송안내 : 3-5일 (영업일 기준)

    
    
    


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세계 임베디드 금융 시장 규모는 2024-2031년 예측 기간 동안 27.53%의 CAGR로 2023년 728억 4,000만 달러에서 2031년 5,094억 9,000만 달러로 성장할 것으로 예측됩니다. 임베디드 금융 시장의 성장은 디지털화 및 인터넷 보급, 기술 발전, 금융과 보험 및 투자 등 비금융 플랫폼의 통합, 인공지능의 통합, 편의성에 대한 소비자 수요, 핀테크 스타트업의 증가, 금융 포용성 이니셔티브, 스마트폰 사용자의 증가 등의 요인에 의해 지배되고 있습니다. 임베디드 금융은 API와 플랫폼을 통해 금융 상품과 서비스를 제공하는 비금융 기업입니다. 기업에게 제3자가 제공하는 금융 서비스에 대한 액세스를 제공하고 이를 활용하도록 합니다. 이 시장은 기존 금융기관과 핀테크 스타트업이 협력하여 혁신적인 방식으로 고객 도달 범위를 확대할 수 있는 몇 가지 기회를 제공하고 있습니다.

디지털 시대는 즉시성과 편의성에 중점을 두고 있으며, 소비자들은 완벽하고 번거롭지 않은 경험을 우선순위로 삼고 있습니다. 임베디드 금융에 대한 소비자의 기대는 빠른 신용 승인, 실시간 결제, 일상 생활과 관련된 금융 서비스 및 개인화된 금융 조언에 대한 요구가 점점 더 많아지고 있습니다. 임베디드 금융은 고도로 맞춤화된 서비스를 제공함으로써 현대 고객의 기대에 부응하고 있습니다. 또한, AI의 활용이 확대되면서 소비자의 소비 이력이나 습관에 기반한 서비스를 만들어 낼 수 있게 되었습니다. 이러한 고도의 커스터마이징은 소비자에게 가치를 느끼게 하고 브랜드 충성도를 형성합니다. 이처럼 소비자의 편의성에 대한 욕구는 각 산업 분야의 기업들이 금융 서비스를 자사 플랫폼에 통합하여 사용자의 진화하는 기대에 부응하고자 하는 원동력이 되고 있습니다.

이 보고서는 세계 임베디드 금융 시장에 대해 조사했으며, 시장 개요와 함께 금융 유형별, 비즈니스 모델별, 최종 용도별, 지역별 동향, 시장 진입 기업 개요 등을 전해드립니다.

목차

제1장 조사 방법

제2장 프로젝트 범위와 정의

제3장 주요 요약

제4장 고객의 소리

제5장 세계의 임베디드 금융 시장 전망, 2017-2031년

  • 시장 규모와 예측
  • 금융 유형별
  • 비즈니스 모델별
  • 최종 용도별
  • 지역별
  • 기업별 시장 점유율(%), 2023년

제6장 세계의 임베디드 금융 시장 전망, 지역별, 2017-2031년

  • 북미
  • 유럽
  • 남미
  • 아시아태평양
  • 중동 및 아프리카

제7장 시장 매핑, 2023년

제8장 거시적 환경과 산업 구조

  • 공급 수요 분석
  • 밸류체인 분석
  • PESTEL 분석
  • Porter's Five Forces 분석

제9장 시장 역학

제10장 주요 진출 기업 상황

제11장 구독 비용 분석

제12장 사례 연구

제13장 주요 진출 기업 전망

  • Stripe Inc
  • Plaid Technologies Inc.
  • Walnut Insurance Inc.
  • Zopa Bank Limited
  • Lendflow Inc.
  • Fidelity National Information Services Inc.
  • PayPal Holdings Inc.
  • TransCard Payments LLC
  • Vista Equity Partners(Finastra)
  • Fluenccy Pty Limited

제14장 전략적 제안

제15장 문의와 면책사항

ksm 24.06.10

Global embedded finance market is projected to witness a CAGR of 27.53% during the forecast period 2024-2031, growing from USD 72.84 billion in 2023 to USD 509.49 billion in 2031. The growth in the embedded finance market is governed by factors such as digitalization and penetration of the internet, technological advancements, integrating finance with non-finance platforms such as insurance and investments, integration of artificial intelligence, consumer demand for convenience, rise in Fintech startups, financial inclusion initiatives, and rise in smartphone users. Embedded finance is a non-financial company providing financial products and services through APIs and platforms. It provides companies with access to and utilizes financial services provided by third parties. The market has presented several opportunities for both established financial institutions and fintech startups to collaborate and expand their customer reach in innovative ways.

As per Invest India, India has the highest fintech adoption rate of 87 percent globally, which is higher than the global average rate of 64 percent. Embedded finance market is growing at a high rate as financial institutions are providing Banking-as-a-service (BaaS) offerings. In recent years, Unified Payments Interface (UPI) and mobile wallet acceptance have helped in the market growth. In 2023, UPI payments crossed the 100-billion mark with transactions processed standing at 117.6 billion.

Consumer Demand for Convenience

Consumer expectations are the key driver of this new era of embedded finance; with the digital age focusing on immediacy and convenience, consumers increasingly prioritize a flawless and hassle-free experience. Consumer expectations in embedded finance increasingly include rapid credit approvals, real-time payments, and individualized financial advice as they look for financial services relevant to their daily activities. Embedded finance satisfies the expectations of modern clients by providing highly tailored services. Moreover, the increased usage of AI enables them to create services based on the consumer's spending history and habits. Such a high level of customization makes the consumers feel valuable, which fosters brand loyalty. Thus, consumer appetite for convenience is a catalyst, driving firms across industries to integrate financial services into their platforms and fulfill their users' evolving expectations.

Technological Development to Cater Global Embedded Finance Market Growth

Significant technological developments have occurred in recent years, with AI and ML leading the way. These technologies have enabled the automation of credit scoring, customized financial advice, and fraud detection, improving service accuracy and efficiency. One of the biggest issues faced by businesses that provide embedded finance services is cyber security. However, the emergence of blockchain has ushered in a new era of security and transparency. It provides decentralized, tamper-proof ledgers for transactions. The solution improves data security in embedded finance and allows smart contracts to automate and enforce terms of service without requiring human intervention, lowering costs and error rates.

North America to Dominate Global Embedded Finance Market Share

North America dominated the global market share in 2023, owing to the dominance of key regional market players. Moreover, various embedded finance startups actively engage in fundraising initiatives to accelerate the adoption of embedded finance in the region. The regulatory bodies in North America are actively contemplating policies and regulations to foster innovation and competition in the global embedded finance market. They are aiming to maintain a balance between consumer protection and enabling partnerships between financial and non-financial entities.

In 2024, Fidelity National Information Services Inc. launched the "Atelio" platform. It is an embedded finance platform that will help the company collect deposits, transfer money, issue cards, send invoices, fight fraud, and better understand customer behavior. Such advancements are promoting growth in the region.

Asia-Pacific is growing faster owing to the highly populated countries, such as China and India, where the use of smartphones and the internet are growing significantly. The adoption of fintech startups is growing indirectly, leading to the growth of the embedded finance market in the region.

Embedded Lending Leads in the Growth of Global Embedded Finance Market

The embedded lending category is expanding fastest due to the rising need for smooth and quick access to funds. With lending options available at necessary touch points within non-lending platforms, users are exposed to lending products and encouraged to review their lending requirements. The increasing awareness is due to the expansion of the embedded lending segment. Moreover, during the COVID-19 pandemic, SMEs have been impacted negatively. They now seek to expand their distribution channel and supply chain to recover from the impact, but rising interest rates are making it difficult to access credit through traditional channels, hence increasing the use of embedded lending services.

In 2023, Rupifi announced that the firm had disbursed over USD 0.24 billion (INR 20 billion) in loans to businesses since its inception in 2020 powering more than 2 million transactions for 150,000 SMEs in India. The firm offers embedded lending solutions through B2B marketplaces across sectors, including FMCG, pharmaceutical, fashion, electronics, and others. In the United States, Walmart has introduced its buy now pay later option to drive more revenue. The trend is projected to continue further over the next three to four years, as the economic environment continues to drive the demand for credit access among small and medium-sized businesses globally.

Retail and E-Commerce to Rule the Market

The retail and e-commerce segment had the largest share in global embedded finance market. Online retailers started providing their financial services at the point of sale, including individualized credit options, insurance, cards and accounts, and more. Its accessibility and convenience made an inevitable shift in what customers expected. When forecasting the future of retail, embedded finance can completely transform the industry by allowing companies to make closer connections with their clients while boosting sales and utilizing data-driven business models. Embedded finance services such as cashback loyalty schemes and credit and debit card payments attract customers and contribute to retailers establishing customer loyalty.

The travel and entertainment segments are expected to gain a substantial growth rate. Companies in the travel and entertainment sector are actively introducing various embedded finance services, including BNPL offerings. In 2022, the travel app, Hopper launched the Price Freeze for Cars solution, new flexibility on hotel bookings of Cancel for Any Reason option and Leave for Any Reason option and a Standalone Trip Protection product.

Future Market Scenario (2024 - 2031F)

The shift towards embedded finance is majorly driven by convenience, as it allows a wide range of consumers to access financial services. Its influence extends beyond the traditional banking services, providing solutions that are seamlessly woven into the fabric of everyday life.

In February 2024, Finastra launched a new Gen AI capability in its Expert Pro Canadian Mortgage Point of Sale (POS) solution. It automates the creation of borrower notes that assists in lender underwriting which helps in saving time and minimizing broker errors.

Key Players Landscape and Outlook

The market is highly competitive due to the presence of many prominent players in the market. The industry players aim for new product launches, partnerships, and collaboration as a strategic method to improve their offerings and expand their customer base. Together with the advancement in technologies, such as AI and ML, the market players are soaring to newer heights and boosting the growth of embedded finance market worldwide.

In 2023, Zopa acquired BNPL firm DivideBuy's POS financial technology and lending platform aiming to offer affordable credit to customers, share data with credit rating agencies, help individuals with better structure and pay-down tools, and allow users to build their credit portfolio.

In May 2023, Uber extended its partnership with fintech giant Stripe Inc. to allow Uber customers to connect their bank accounts "securely and instantly" to their Uber accounts without leaving the app and allowing them to repeat purchases using the saved bank details.

Table of Contents

1.Research Methodology

2.Project Scope and Definitions

3.Executive Summary

4.Voice of Customer

  • 4.1.Demographics (Age/Cohort Analysis - Baby Boomers and GenX, Millennials, Gen Z; Gender; Income - Low, Mid and High; Geography; Nationality; etc.)
  • 4.2.Market Awareness and Product Information
  • 4.3.Brand Awareness and Loyalty
  • 4.4.Factors Considered in Purchase Decision
    • 4.4.1.Brand Name
    • 4.4.2.Finance Type
    • 4.4.3.Fees and Costs
    • 4.4.4.Awareness
    • 4.4.5.Ease of Use
    • 4.4.6.Security
    • 4.4.7.Promotional Offers and Discounts
  • 4.5.Purpose of Purchase
  • 4.6.Frequency of Purchase
  • 4.7.Customer Support

5.Global Embedded Finance Market Outlook, 2017-2031F

  • 5.1.Market Size & Forecast
    • 5.1.1.By Value
  • 5.2.By Finance Type
    • 5.2.1.Embedded Payment
    • 5.2.2.Embedded Insurance
    • 5.2.3.Embedded Investment
    • 5.2.4.Embedded Banking
    • 5.2.5.Embedded Lending
  • 5.3.By Business Model
    • 5.3.1.B2B
    • 5.3.2.B2C
    • 5.3.3.B2B2B
    • 5.3.4.B2B2C
  • 5.4.By End-use
    • 5.4.1.Retail and E-Commerce
    • 5.4.2.Healthcare
    • 5.4.3.Transportation and Logistics
    • 5.4.4.Manufacturing
    • 5.4.5.Travel and Entertainment
    • 5.4.6.Others
  • 5.5.By Region
    • 5.5.1.North America
    • 5.5.2.South America
    • 5.5.3.Europe
    • 5.5.4.Asia-Pacific
    • 5.5.5.Middle East and Africa
  • 5.6.By Company Market Share (%), 2023

6.Global Embedded Finance Market Outlook, By Region, 2017-2031F

  • 6.1.North America*
    • 6.1.1.Market Size & Forecast
      • 6.1.1.1.By Value
    • 6.1.2.By Finance Type
      • 6.1.2.1.Embedded Payment
      • 6.1.2.2.Embedded Insurance
      • 6.1.2.3.Embedded Investment
      • 6.1.2.4.Embedded Banking
      • 6.1.2.5.Embedded Lending
    • 6.1.3.By Business Model
      • 6.1.3.1.B2B
      • 6.1.3.2.B2C
      • 6.1.3.3.B2B2B
      • 6.1.3.4.B2B2C
    • 6.1.4.By End-use
      • 6.1.4.1.Retail and E-Commerce
      • 6.1.4.2.Healthcare
      • 6.1.4.3.Transportation and Logistics
      • 6.1.4.4.Manufacturing
      • 6.1.4.5.Travel and Entertainment
      • 6.1.4.6.Others
    • 6.1.5.United States*
      • 6.1.5.1.Market Size & Forecast
        • 6.1.5.1.1.By Value
      • 6.1.5.2.By Finance Type
        • 6.1.5.2.1.Embedded Payment
        • 6.1.5.2.2.Embedded Insurance
        • 6.1.5.2.3.Embedded Investment
        • 6.1.5.2.4.Embedded Banking
        • 6.1.5.2.5.Embedded Lending
      • 6.1.5.3.By Business Model
        • 6.1.5.3.1.B2B
        • 6.1.5.3.2.B2C
        • 6.1.5.3.3.B2B2B
        • 6.1.5.3.4.B2B2C
      • 6.1.5.4.By End-use
        • 6.1.5.4.1.Retail and E-Commerce
        • 6.1.5.4.2.Healthcare
        • 6.1.5.4.3.Transportation and Logistics
        • 6.1.5.4.4.Manufacturing
        • 6.1.5.4.5.Travel and Entertainment
        • 6.1.5.4.6.Others
    • 6.1.6.Canada
    • 6.1.7.Mexico

All segments will be provided for all regions and countries covered

  • 6.2.Europe
    • 6.2.1.Germany
    • 6.2.2.France
    • 6.2.3.Italy
    • 6.2.4.United Kingdom
    • 6.2.5.Russia
    • 6.2.6.Netherlands
    • 6.2.7.Spain
    • 6.2.8.Turkey
    • 6.2.9.Poland
  • 6.3.South America
    • 6.3.1.Brazil
    • 6.3.2.Argentina
  • 6.4.Asia-Pacific
    • 6.4.1.India
    • 6.4.2.China
    • 6.4.3.Japan
    • 6.4.4.Australia
    • 6.4.5.Vietnam
    • 6.4.6.South Korea
    • 6.4.7.Indonesia
    • 6.4.8.Philippines
  • 6.5.Middle East and Africa
    • 6.5.1.Saudi Arabia
    • 6.5.2.UAE
    • 6.5.3.South Africa

7.Market Mapping, 2023

  • 7.1.By Finance Type
  • 7.2.By Business Model
  • 7.3.By End-use
  • 7.4.By Region

8.Macro Environment and Industry Structure

  • 8.1.Supply Demand Analysis
  • 8.2.Value Chain Analysis
  • 8.3.PESTEL Analysis
    • 8.3.1.Political Factors
    • 8.3.2.Economic System
    • 8.3.3.Social Implications
    • 8.3.4.Technological Advancements
    • 8.3.5.Environmental Impacts
    • 8.3.6.Legal Compliances and Regulatory Policies (Statutory Bodies Included)
  • 8.4.Porter's Five Forces Analysis
    • 8.4.1.Supplier Power
    • 8.4.2.Buyer Power
    • 8.4.3.Substitution Threat
    • 8.4.4.Threat from New Entrant
    • 8.4.5.Competitive Rivalry

9.Market Dynamics

  • 9.1.Growth Drivers
  • 9.2.Growth Inhibitors (Challenges and Restraints)

10.Key Players Landscape

  • 10.1.Competition Matrix of Top Five Market Leaders
  • 10.2.Market Revenue Analysis of Top Five Market Leaders (By Value, 2023)
  • 10.3.Mergers and Acquisitions/Joint Ventures (If Applicable)
  • 10.4.SWOT Analysis (For Five Market Players)
  • 10.5.Patent Analysis (If Applicable)

11.Subscription Fee Analysis

12.Case Studies

13.Key Players Outlook

  • 13.1.Stripe Inc.
    • 13.1.1.Company Details
    • 13.1.2.Key Management Personnel
    • 13.1.3.Products and Services
    • 13.1.4.Financials (As reported)
    • 13.1.5.Key Market Focus and Geographical Presence
    • 13.1.6.Recent Developments
  • 13.2.Plaid Technologies Inc.
  • 13.3.Walnut Insurance Inc.
  • 13.4.Zopa Bank Limited
  • 13.5.Lendflow Inc.
  • 13.6.Fidelity National Information Services Inc.
  • 13.7.PayPal Holdings Inc.
  • 13.8.TransCard Payments LLC
  • 13.9.Vista Equity Partners (Finastra)
  • 13.10.Fluenccy Pty Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work

14.Strategic Recommendations

15.About Us and Disclaimer

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