Europe Embedded Finance Market Size, Share & Industry Trends Analysis Report By End-use, By Business Model (B2B, B2C, B2B2B and B2B2C), By Type, By Country and Growth Forecast, 2023 - 2029

Europe Embedded Finance Market Size, Share & Industry Trends Analysis Report By End-use, By Business Model (B2B, B2C, B2B2B and B2B2C), By Type, By Country and Growth Forecast, 2023 - 2029


The Europe Embedded Finance Market would witness market growth of 29.5% CAGR during the forecast period (2023-2029).

Over the projection period, the growth in e-commerce and online shopping is anticipated to drive market expansion. This is due to the integration of banking services within e-commerce platforms, allowing seamless and practical client experiences. In addition, e-commerce businesses incorporate financial services such as lending, payments, and insurance. For instance, several e-commerce sites, including Amazon.com and Wix e-commerce, provide consumers the option to pay later using a buy now option.

The development of the market is due to technological developments in artificial intelligence (AI). By utilizing AI in embedded finance, service providers can provide their clients with more customized and enhanced services, boosting service use and income. Additionally, it is predicted that the market will expand during the forecast period due to the rise in the usage of Application Programming Interfaces (APIs), which allow data to be exchanged between financial institutions and other organizations, allowing the creation of new financial products.

Long recognized as a pioneer in the financial services industry in the United Kingdom. Fast-growing technical demand, smart regulation, customer engagement in financial services, and the industry's response to the financial crisis have all combined to make fintech adoption in the UK and other nations successful.

The UK has an edge over other Western countries in digital payments due to its early adoption and legislative support of online banking systems. Online payment demand in European countries has risen quickly due to customer desire for digital payments and simple cross-border transactions. The European Union's government has introduced the "European Digital Identity Wallet" to support these transactions. Additionally, the growing integration of online and offline commerce, inventory management, and customer and employee management has accelerated the development of digital payments. The market is expected to increase in the Europe region with the help of the burgeoning fintech sector.

The Germany market dominated the Europe Embedded Finance Market by Country in 2022 and would continue to be a dominant market till 2029; thereby, achieving a market value of $24,998 Million by 2029. The UK market is showcasing a CAGR of 28.4% during (2023 - 2029). Additionally, The France market would experience a CAGR of 30.4% during (2023 - 2029).

Based on End-use, the market is segmented into Retail, Travel & Entertainment, Manufacturing, Logistics, Healthcare and Others. Based on Business Model, the market is segmented into B2B, B2C, B2B2B and B2B2C. Based on Type, the market is segmented into Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking. Based on countries, the market is segmented into Germany, UK, France, Russia, Spain, Italy, and Rest of Europe.

The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Stripe, Inc., Finastra Group Holdings Limited (Vista Equity Partners), Zopa Bank Limited, Fidelity Information Services (FIS), Inc. (Payrix Solutions, LLC), Transcard Payments, LLC, Fluenccy Pty Ltd., Cybrid Technology Inc., Walnut Insurance Inc., Fortis Payment Systems, LLC, and Lendflow Inc.

Scope of the Study

Market Segments covered in the Report:

By End-use
  • Retail
  • Travel & Entertainment
  • Manufacturing
  • Logistics
  • Healthcare
  • Others
By Business Model
  • B2B
  • B2C
  • B2B2B
  • B2B2C
By Type
  • Embedded Payment
  • Embedded Insurance
  • Embedded Investment
  • Embedded Lending
  • Embedded Banking
By Country
  • Germany
  • UK
  • France
  • Russia
  • Spain
  • Italy
  • Rest of Europe
Companies Profiled
  • Stripe, Inc.
  • Finastra Group Holdings Limited (Vista Equity Partners)
  • Zopa Bank Limited
  • Fidelity Information Services (FIS), Inc. (Payrix Solutions, LLC)
  • Transcard Payments, LLC
  • Fluenccy Pty Ltd.
  • Cybrid Technology Inc.
  • Walnut Insurance Inc.
  • Fortis Payment Systems, LLC
  • Lendflow Inc.
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Chapter 1. Market Scope & Methodology
1.1 Market Definition
1.2 Objectives
1.3 Market Scope
1.4 Segmentation
1.4.1 Europe Embedded Finance Market, by End-use
1.4.2 Europe Embedded Finance Market, by Business Model
1.4.3 Europe Embedded Finance Market, by Type
1.4.4 Europe Embedded Finance Market, by Country
1.5 Methodology for the research
Chapter 2. Market Overview
2.1 Introduction
2.1.1 Overview
2.1.1.1 Market Composition & Scenario
2.2 Key Factors Impacting the Market
2.2.1 Market Drivers
2.2.2 Market Restraints
Chapter 3. Strategies deployed in Embedded Finance Market
Chapter 4. Europe Embedded Finance Market by End-use
4.1 Europe Retail Market by Country
4.2 Europe Travel & Entertainment Market by Country
4.3 Europe Manufacturing Market by Country
4.4 Europe Logistics Market by Country
4.5 Europe Healthcare Market by Country
4.6 Europe Others Market by Country
Chapter 5. Europe Embedded Finance Market by Business Model
5.1 Europe B2B Market by Country
5.2 Europe B2C Market by Country
5.3 Europe B2B2B Market by Country
5.4 Europe B2B2C Market by Country
Chapter 6. Europe Embedded Finance Market by Type
6.1 Europe Embedded Payment Market by Country
6.2 Europe Embedded Insurance Market by Country
6.3 Europe Embedded Investment Market by Country
6.4 Europe Embedded Lending Market by Country
6.5 Europe Embedded Banking Market by Country
Chapter 7. Europe Embedded Finance Market by Country
7.1 Germany Embedded Finance Market
7.1.1 Germany Embedded Finance Market by End-use
7.1.2 Germany Embedded Finance Market by Business Model
7.1.3 Germany Embedded Finance Market by Type
7.2 UK Embedded Finance Market
7.2.1 UK Embedded Finance Market by End-use
7.2.2 UK Embedded Finance Market by Business Model
7.2.3 UK Embedded Finance Market by Type
7.3 France Embedded Finance Market
7.3.1 France Embedded Finance Market by End-use
7.3.2 France Embedded Finance Market by Business Model
7.3.3 France Embedded Finance Market by Type
7.4 Russia Embedded Finance Market
7.4.1 Russia Embedded Finance Market by End-use
7.4.2 Russia Embedded Finance Market by Business Model
7.4.3 Russia Embedded Finance Market by Type
7.5 Spain Embedded Finance Market
7.5.1 Spain Embedded Finance Market by End-use
7.5.2 Spain Embedded Finance Market by Business Model
7.5.3 Spain Embedded Finance Market by Type
7.6 Italy Embedded Finance Market
7.6.1 Italy Embedded Finance Market by End-use
7.6.2 Italy Embedded Finance Market by Business Model
7.6.3 Italy Embedded Finance Market by Type
7.7 Rest of Europe Embedded Finance Market
7.7.1 Rest of Europe Embedded Finance Market by End-use
7.7.2 Rest of Europe Embedded Finance Market by Business Model
7.7.3 Rest of Europe Embedded Finance Market by Type
Chapter 8. Company Profiles
8.1 Stripe, Inc.
8.1.1 Company Overview
8.1.2 Recent strategies and developments:
8.1.2.1 Partnerships, Collaborations, and Agreements:
8.1.2.2 Acquisition and Mergers:
8.2 Finastra Group Holdings Limited (Vista Equity Partners)
8.2.1 Company Overview
8.2.2 Recent strategies and developments:
8.2.2.1 Partnerships, Collaborations, and Agreements:
8.2.2.2 Product Launches and Product Expansions:
8.3 Zopa Bank Limited
8.3.1 Company Overview
8.3.2 Financial Analysis
8.3.3 Recent strategies and developments:
8.3.3.1 Acquisition and Mergers:
8.4 Fidelity Information Services (FIS), Inc. (Payrix Solutions, LLC)
8.4.1 Company Overview
8.4.2 Financial Analysis
8.4.3 Segmental and Regional Analysis
8.5 Lendflow Inc.
8.5.1 Company Overview
8.5.2 Recent strategies and developments:
8.5.2.1 Partnerships, Collaborations, and Agreements:
8.5.2.2 Product Launches and Product Expansions:
8.6 Transcard Payments, LLC
8.6.1 Company Overview
8.6.2 Recent strategies and developments:
8.6.2.1 Product Launches and Product Expansions:
8.7 Fluenccy Pty Ltd.
8.7.1 Company Overview
8.8 Cybrid Technology Inc.
8.8.1 Company Overview
8.9 Walnut Insurance Inc.
8.9.1 Company Overview
8.9.2 Recent strategies and developments:
8.9.2.1 Partnerships, Collaborations, and Agreements:
8.10. Fortis Payment Systems, LLC
8.10.1 Company Overview
8.10.2 Recent strategies and developments:
8.10.2.1 Acquisition and Mergers:

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