Commerce Tomorrow – How Embedded Finance is Disrupting the Modern Economy

Powered by

All the vital news, analysis, and commentary curated by our industry experts.

Embedded finance is the streamlined integration of financial services into a conventional non-financial service. It is intended to simplify financial processes for consumers and provide a better user experience by allowing them to access what they need when they need it.

Illustrative Embedded Finance Architecture

Illustrative Embedded Finance Architecture

Key Enablers ·       Open Banking

·       Payment Application Programming Interfaces (APIs)

Key Benefits ·       For Businesses

·       For Consumers

·       For Financial Institutions

Key Innovations ·       Embedded Payments

·       Embedded Insurance

·       Embedded Card Payments

·       Embedded Lending

Enquire & Decide Discover the perfect solution for your business needs. Enquire now and let us help you make an informed decision before making a purchase.

The key enablers for embedded finance are open banking and payment application programming interfaces (APIs). While these have advanced and matured sufficiently to enable embedded finance to become viable, it is not the case in all markets indicating that embedded finance’s prospects are not yet ubiquitously favorable. However, the progression of embedded finance could give rise to new regulatory changes and the development of existing ones including anti-money laundering (AML) such as the Bank Secrecy Act (BSA).

Buy the Full Report for More Insights on Embedded Finance, Download A Free Report Sample

Benefits of Embedded Finance

For Businesses: Improved customer engagement, additional revenues, and increased order value are some of the primary benefits of embedded finance for businesses.

For Consumers: Enhanced shopping experience, personalized financial services, and the ability to obtain institutionalized financial services are some of the basic benefits of embedded finance for consumers.

For Financial Institutions: The main benefits of embedded finance for financial institutions are simplified customer acquisitions, improved customer management and gaining access to financial data.

Buy the Full Report for More Insights on the Benefits of Embedded Finance, Download a Free Sample Report

Embedded Finance – Key Innovations

Embedded payments, embedded insurance, embedded card payments, embedded lending, embedded banking, embedded investment, embedded money management, and embedded wealth are the key innovations in the embedded finance.

Embedded payments: One of the examples of embedded payments is MoneyGram customer app to manage cryptocurrency transactions. The MoneyGram money transfer app makes it simpler for users to send money internationally from the US while providing users the speed, adaptability, and freedom to move money on their terms. It gives them access to a secure platform where they can buy, sell, and hold a few different cryptocurrencies. Users can use the app from any location to check foreign conversion rates, calculate fees, and pay invoices.

Buy the Full Report for Additional Innovations in the Embedded Finance Industry, Download a Free Sample Report

Scope

Innovation Insights: innovation examples by each application segment of the embedded finance business to present key trends.

Key Highlights

Innovations: presents real-world innovation use cases and examples related to the implementation of emerging technologies by companies as well as startups in the embedded finance business. It casts light on how tech-enabled innovations are transforming every segment of the sector value chain.

Reasons to Buy

No surprise that technology has been a driving force in business transformation for years, but the term ‘emerging technologies’ has all of the sudden become the key catalyst to drive the next wave of innovation across sectors.

The sense of urgency weighs differently across different sectors, where the direct customer-facing sectors are at the forefront compared to other capital-intensive sectors. Companies in one sector can take cues from successful innovations in other sectors to either draw analogies with existing products, services, and processes or transfer strategic approaches for a revolutionary transformation.

Against this backdrop, enterprises need to understand which emerging technologies are impacting their sector and how various companies are implementing them to meet various challenges.

The innovation landscape report in embedded finance, published by GlobalData as part of an ongoing series, covers some real-world examples to advance the development and implementation of embedded finance across some major sectors.

Acorns
Additiv
Alviere
Amazon
Apple
Aryza
Atram
Autonomy
Bankifi
Bano
Barclaycloud
Barclays
BMT
Cash App
Cellulant
Currencycloud
DigiSure
Dreams
Finastra
FintechOS
First National Bank of Omaha (FNBO)
Goldman Sachs
Grab
Grover
Hakuna
Highnote
Housing.com
Infinicept
Irish Life
JP Morgan
KeyBank
LetsTransport
Liberis
Lightspeed Commerce
Lyft
Mastercard
MoneyGram
Mood Media
OneVest
Orange
payfare
PayPal
Q2
Qover
Razorpay
Riscovry
Robinhood
Solarisbank
Stride Bank
Stripe
Tesla
Tillful
Verto
Visa
VisitorsCoverage
Wave
WeChat
Xpence

Table of Contents

Table of Contents

1. Definition and architecture

2. Benefits of embedded finance

3. Key innovations

3.1 Embedded payments

3.2 Embedded insurance

3.3 Embedded card payments

3.4 Embedded lending

3.5 Embedded banking

3.6 Embedded investment

3.7 Embedded money management

3.8 Embedded wealth

4. Strategic implementation challenges

5. Methodology

Frequently asked questions

Commerce Tomorrow – How Embedded Finance is Disrupting the Modern Economy standard reports
Currency USD
$995

Can be used by individual purchaser only

$1,990

Can be shared globally by unlimited users within the purchasing corporation e.g. all employees of a single company


Undecided about purchasing this report?

Enquire Before Buying Request a Free Sample

Get in touch to find out about multi-purchase discounts

reportstore@globaldata.com
Tel +44 20 7947 2745

Every customer’s requirement is unique. With over 220,000 construction projects tracked, we can create a tailored dataset for you based on the types of projects you are looking for. Please get in touch with your specific requirements and we can send you a quote.

Sample Report

Commerce Tomorrow – How Embedded Finance is Disrupting the Modern Economy was curated by the best experts in the industry and we are confident about its unique quality. However, we want you to make the most beneficial decision for your business, so we offer free sample pages to help you:

  • Assess the relevance of the report
  • Evaluate the quality of the report
  • Justify the cost

Download your copy of the sample report and make an informed decision about whether the full report will provide you with the insights and information you need.

Below is a sample report to understand what you are buying

See what our customers are saying
testimonial-image
testimonial-image
testimonial-image
testimonial-image
testimonial-image
testimonial-image
testimonial-image

“The GlobalData platform is our go-to tool for intelligence services. GlobalData provides an easy way to access comprehensive intelligence data around multiple sectors, which essentially makes it a one-for-all intelligence platform, for tendering and approaching customers.

GlobalData is very customer orientated, with a high degree of personalised services, which benefits everyday use. The highly detailed project intelligence and forecast reports can be utilised across multiple departments and workflow scopes, from operational to strategic level, and often support strategic decisions. GlobalData Analytics and visualisation solutions has contributed positively when preparing management presentations and strategic papers.”

Business Intelligence & Marketing Manager, SAL Heavy Lift

“COVID-19 has caused significant interference to our business and the COVID-19 intelligence from GlobalData has helped us reach better decisions around strategy. These two highlights have helped enormously to understand the projections into the future concerning our business units, we also utilise the project database to source new projects for Liebherr-Werk to use as an additional source to pitch for new business.”

Market Analyst & Management, Liebherr-Werk

Your daily news has saved me a lot of time and keeps me up-to-date with what is happening in the market, I like that you almost always have a link to the source origin. We also use your market data in our Strategic Business Process to support our business decisions. By having everything in one place on the Intelligence Center it has saved me a lot of time versus looking on different sources, the alert function also helps with this.

Head of Key Accounts, Saab AB

Having used several other market research companies, I find that GlobalData manages to provide that ‘difficult-to-get’ market data that others can’t, as well as very diverse and complete consumer surveys.

Marketing Intelligence Manager, Portugal Foods

Our experience with GlobalData has been very good, from the platform itself to the people. I find that the analysts and the account team have a high level of customer focus and responsiveness and therefore I can always rely on. The platform is more holistic than other providers. It is convenient and almost like a one stop shop. The pricing suite is highly competitive and value for our organisation.

I like reports that inform new segments such as the analysis on generation Z, millennials, the impact of COVID 19 to our banking customers and their new channel habits. Secondly the specialist insight on affluent sector significantly increases our understanding about this group of customers. The combination of those give us depth and breadth of the evolving market.

I’m in the business of answering and helping people make decisions so with the intelligence center I can do that, effectively and efficiently. I can share quickly key insights that answer and satisfy our country stakeholders by giving them many quality studies and primary research about competitive landscape beyond the outlook of our bank. It helps me be seen as an advisory partner and that makes a big difference. A big benefit of our subscription is that no one holds the whole data and because it allows so many people, so many different parts of our organisation have access, it enables all teams to have the same level of knowledge and decision support.

Head of Customer Insight and Research, Standard Chartered

“I know that I can always rely on Globaldata’s work when I’m searching for the right consumer and market insights. I use Globaldata insights to understand the changing market & consumer landscape and help create better taste & wellbeing solutions for our customers in food, beverage and healthcare industries.

Globaldata has the right data and the reports are of very high quality compared to your competitors. Globaldata not only has overall market sizes & consumer insights on food & beverages but also provides insights at the ingredient & flavour level. That is key for B2B companies like Givaudan. This way we understand our customers’ business and also gain insight to our unique industry”

Head of Consumer Sensory Insights, Givaudan

GlobalData provides a great range of information and reports on various sectors that is highly relevant, timely, easy to access and utilise.  The reports and data dashboards help engagement with clients; they provide valuable industry and market insights that can enrich client conversations and can help in the shaping of value propositions. Moreover, using GlobalData products has helped increase my knowledge of the finance sector, the players within it, and the general threats and opportunities.

I find the consumer surveys that are carried out to be extremely beneficial and not something I have seen anywhere else. They provided an insightful view of why and which consumers take (or don’t) particular financial products. This can help shape conversations with clients to ensure they make the right strategic decisions for their business.

One of the challenges I have found is that data in the payments space is often piecemeal. With GD all of the data I need is in one place, but it also comes with additional market reports that provide useful extra context and information. Having the ability to set-up alerts on relevant movements in the industry, be it competitors or customers, and have them emailed directly to me, ensures I get early sight of industry activity and don’t have to search for news.

Senior Account Manager, TSYS
Technology
New
Unilever - Digital Transformation Strategies
$1,495 | May 2024
Technology
New
Cloud Gaming - Thematic Intelligence
$995 | May 2024
Go even deeper with GlobalData Intelligence Center

Every Company Report we produce is powered by the GlobalData Intelligence Center.

Subscribing to our intelligence platform means you can monitor developments at Commerce Tomorrow – How Embedded Finance is Disrupting the Modern Economy in real time.

  • Access a live Commerce Tomorrow – How Embedded Finance is Disrupting the Modern Economy dashboard for 12 months, with up-to-the-minute insights.
  • Fuel your decision making with real-time deal coverage and media activity.
  • Turn insights on financials, deals, products and pipelines into powerful agents of commercial advantage.