France Embedded Finance Business and Investment Opportunities Databook – 75+ KPIs on Embedded Lending, Insurance, Payment, and Wealth Segments - Q2 2024 Update

France Embedded Finance Business and Investment Opportunities Databook – 75+ KPIs on Embedded Lending, Insurance, Payment, and Wealth Segments - Q2 2024 Update

According to PayNXT360, the embedded finance industry in the country is expected to grow by 6.5% annually to reach US$4,045.8 million in 2024.

The embedded finance industry is expected to grow steadily over the forecast period, recording a CAGR of 20.7% from 2024 to 2029. The country's embedded finance revenues will increase from US$4,045.8 million in 2024 to reach US$10,351.4 million by 2029.

The embedded finance sector in France is rapidly expanding, driven by growing consumer demand for integrated financial services and supported by technological advancements and favorable regulatory changes. Recent innovations in embedded insurance and payment solutions, alongside strategic partnerships like Andaria's with Mastercard, enhance convenience and user experience. Continued alignment with EU open banking regulations and supportive measures for fintech innovation signals a promising trajectory for the sector's growth.

Growth in the Embedded Finance Sector

Embedded finance sector in France has experienced substantial growth due to increasing consumer demand for integrated financial services in e-commerce and retail. Embedded lending, payments, and insurance are gaining momentum as businesses seek to enhance customer experiences and streamline financial transactions.
In the next few months, this growth trajectory is expected to continue, supported by technological advancements and regulatory initiatives that promote open finance, further embedding financial services into everyday consumer interactions.

Key Developments in the Embedded Finance Sector

Product Launches and Innovations

Embedded Insurance Solutions: Various companies have begun offering embedded insurance products tailored for industries like travel, automotive, and healthcare. These solutions integrate insurance offerings directly into the purchasing process, enhancing customer convenience and streamlining transactions.

Payment Integration Platforms: New payment integration solutions have been launched by fintech firms, allowing businesses to embed payment processing capabilities directly into their applications. This development aims to simplify transactions for consumers and improve the overall user experience.

Strategic Partnerships

Andaria, a UK and EU-regulated fintech company, has partnered with Mastercard in France to enhance its card and payment solutions through Mastercard's Principal membership agreement, empowering Andaria's Embedded Finance proposition.
This integration, set to come into effect in early 2024, represents Andaria's continuous efforts towards financial empowerment and convenience for businesses and end-users alike.

Regulatory Changes

1. EU Open Banking Regulations: France is aligning with the broader European Union's initiatives to enhance open banking and open finance frameworks. Recent discussions around the implementation of new open banking regulations aim to facilitate data sharing and improve the integration of financial services, which is crucial for the growth of embedded finance.
2. Consumer Protection Policies: The French government has been focusing on consumer protection within the financial services sector, emphasizing transparency and security in embedded finance offerings. This includes ensuring that consumers are well-informed about the products they use and the associated risks.
3. Support for Fintech Innovation: The French government continues to promote fintech innovation through various initiatives and regulatory sandboxes, allowing startups to test new embedded finance products in a controlled environment. This approach encourages the development of innovative financial solutions while maintaining regulatory compliance.

These regulatory developments reflect France's commitment to fostering a robust embedded finance ecosystem, enhancing both consumer protection and market innovation.

This report offers a comprehensive, data-centric analysis of the embedded finance industry. It covers lending, insurance, payment, wealth and asset-based finance sectors and provides a detailed breakdown of market opportunities and risks across various sectors. With over 75+ KPIs at the country level, this report ensures a thorough understanding of embedded finance market dynamics, market size, and forecast.

It breaks down market opportunities by type of business model, consumer segment, and distribution model. In addition, it provides detailed information across various segments in each sector of embedded finance. KPI revenue helps in getting an in-depth understanding of end market dynamics.

PayNXT360's research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.

Scope

This report provides in-depth, data-centric analysis of Embedded Finance industry in France. Below is a summary of key market segments:

France Embedded Finance Market Size and Forecast

• Embedded Finance by Key Sectors
Retail
Logistics
Telecommunications
Manufacturing
Consumer Health
Others

• Embedded Finance by Business Model
Platforms
Enabler
Regulatory Entity

• Embedded Finance by Distribution Model
Own Platforms
Third Party Platforms

France Embedded Insurance Market Size and Forecast

• Embedded Insurance by Industry
Embedded Insurance in Consumer Products
Embedded Insurance in Travel & Hospitality
Embedded Insurance in Automotive
Embedded Insurance in Healthcare
Embedded Insurance in Real Estate
Embedded Insurance in Transport & Logistics
Embedded Insurance in Others

• Embedded Insurance by Consumer Segments
B2B
B2C

• Embedded Insurance by Type of Offering
Embedded Insurance in Product Segment
Embedded Insurance in Service Segment

Embedded Insurance by Business Model
Platforms
Enabler
Regulatory Entity

• Embedded Insurance by Distribution Model
Own Platforms
Third Party Platforms

• Embedded Insurance by Distribution Channel
Embedded Sales
Bancassurance
Broker’s/IFA’s
Tied Agents

• Embedded Insurance by Insurance Type
Embedded Insurance in Life Segment
Embedded Insurance in Non-Life Segment

• Embedded Insurance in Non-Life Segment
Motor Vehicle
Fire and Property
Accident and Health
General Liability
Marine, Aviation and other Transport
Other

France Embedded Lending Market Size and Forecast

• Embedded Lending by Consumer Segments
Business Lending
Retail Lending

• Embedded Lending by B2B Sectors
Embedded Lending in Retail & Consumer Goods
Embedded Lending in IT & Software Services
Embedded Lending in Media, Entertainment & Leisure
Embedded Lending in Manufacturing & Distribution
Embedded Lending in Real Estate
Embedded Lending in Other

• Embedded Lending by B2C Sectors
Embedded Lending in Retail Shopping
Embedded Lending in Home Improvement
Embedded Lending in Leisure & Entertainment
Embedded Lending in Healthcare and Wellness
Embedded Lending in Other

• Embedded Lending by Type
BNPL Lending
POS Lending
Personal Loans

• Embedded Lending by Business Model
Platforms
Enabler
Regulatory Entity

• Embedded Lending by Distribution Model
Own Platforms
Third Party Platforms

France Embedded Payment Market Size and Forecast

• Embedded Payment by Consumer Segments
B2B
B2C

• Embedded Payment by End-Use Sector
Embedded Payment in Retail & Consumer Goods
Embedded Payment in Digital Products & Services
Embedded Payment in Utility Bill Payment
Embedded Payment in Travel & Hospitality
Embedded Payment in Leisure & Entertainment
Embedded Payment in Health & Wellness
Embedded Payment in Office Supplies & Equipment
Embedded Payment in Other

• Embedded Payment by Business Model
Platforms
Enabler
Regulatory Entity

• Embedded Payment by Distribution Model
Own Platforms
Third Party Platforms

France Embedded Wealth Management Market Size and Forecast

France Asset Based Finance Management Industry Market Size and Forecast
• Asset Based Finance by Type of Asset
Hard Assets
Soft Assets

• Asset Based Finance by End Users
SME’s
Large Enterprises

Reasons to buy

• In-depth Understanding of Embedded Finance Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028).

• Insights into Opportunity by end-use sectors – Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.

• Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate embedded finance strategy; assess market specific key trends, drivers, and risks in the industry.

• Get Sector Insights: Drawing from proprietary survey results, this report identifies opportunities across embedded lending, embedded insurance, embedded finance, and embedded wealth sectors.