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 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

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