The rise of embedded finance

Embedded finance is a growing trend across payments, banking, lending, wealth, insurance and payroll verticals. Download Finch Capital's latest report on the evolution, current state and future of embedded finance, with contributions from Stripe.

Finch Capital is a thematic growth investor in technology companies in finance, real estate and health, and a thought leader in financial technology across Europe.
Finch Capital

A report on the future of embedded finance

15 min. read
37 pages

A report written by Finch Capital

Trends & predictions on embedded finance

We predict that the embedded finance industry will become one of the most valuable sectors in fintech reaching $7 trillion globally over the next ten years. Embedded finance is a positive sum trend where banks can serve small businesses at scale, software platforms can diversify their revenue, and small businesses can grow more easily. While some of the early embedded finance models (e.g. payments and lending) are starting to mature, we still see significant growth potential in other verticals (e.g. payroll and wealth) and across underserved industries such as health, hospitality and travel.

In this report, we cover:
  • The proliferation of APIs and platformification of businesses
  • The rise of new sectors embedding financial services
  • The opportunity for B2B2C and B2B2B business models across industries
  • The impact of the current macroeconomic situation on embedded finance

Over the last decade we have shifted from disrupting Financial Institutions to embedding the world of finance behind apps and websites, enabling a better and smoother user experience. This has allowed high digital traffic and user players to further monetise and increase stickiness.

Radboud Vlaar, Managing Partner at Finch Capital

Designed for developers

The best software platform for running an internet business

The Stripe Billing API is easy to integrate with existing websites, mobile apps, and CRM systems. Developers can use our composable API to get started quickly or design customized subscription logic and pricing models.

Over the last decade we have shifted from disrupting Financial Institutions to embedding the world of finance behind apps and websites, enabling a better and smoother user experience. This has allowed high digital traffic and user players to further monetise and increase stickiness.

Radboud Vlaar, Managing Partner at Finch Capital

Ready to get started? Get in touch or create an account.

Access a complete payments platform with simple, pay-as-you-go pricing, or contact us to design a custom package specifically for your business.