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Embedded finance - statistics & facts

The market size of the new fintech trend embedded finance has grown rapidly in recent years, despite it being such a young concept. The widespread adoption has disrupted the role of traditional banks, and many non-financial businesses are planning to offer embedded finance services within a short future. The worldwide value of venture capital investments in embedded finance reached almost 4.2 billion U.S. dollars as of September 2021, which is more than double the investment value during the whole previous year.

What is embedded finance?

Embedded finance is a fintech subsector and the term became trendy only in the last two years, as it boomed particularly in 2020. It refers to financial services or products offered by non-financial providers, such as the company itself or by a third party. A few examples of where it is used are in online payments, consumer lending, insurance, or wealth management, where the largest usage of embedded finance today is for payments, such as making it possible for e-commerce companies to perform payments on their sites without entering bank details. A common example of that is “buy now, pay later” (BNPL) when shopping online, offered by companies such as Klarna, Afterpay, and Affirm.

The future of embedded finance

The embedded finance market is expected to grow heavily, especially for payments where the market value in the United States is expected to experience a nearly ninefold increase by 2025 compared to the value in 2020. The most offered embedded finance service among European non-financial companies as of 2021 was embedded banking. Many European firms also plan to offer embedded banking and embedded payments within the next five years. It is no surprise that the market is expected to grow: For customers, the use of embedded finance means ease of use of services, and for companies it has several appealing factors, including delivering a better customer experience, increasing the number of customers touch points with their brand, and increased cross-selling opportunities.

This text provides general information. Statista assumes no liability for the information given being complete or correct. Due to varying update cycles, statistics can display more up-to-date data than referenced in the text.

Market value of embedded finance sector in the U.S.: 22.5bn USD

VC investments in embedded finance: 4.2bn USD

Non-financial business planning to offer embedded finance services within the next 2 years: 55%

Editor’s Picks Current statistics on this topic

Non-financial businesses planning to offer embedded finance services to customers in Europe as of 2020

Fintech (Mobile/online banking)

Companies planning to offer embedded finance to customers Europe in 2020

Most appealing impacts of embedded finance for European firms in 2021

Fintech (Mobile/online banking)

Main benefits of embedded finance for firms in Europe 2021

Share of firms planning to embed financial services into their offerings in Europe as of 2021, by type of service offered

Fintech (Mobile/online banking)

Firms planning to offer embedded finance in Europe 2021, by type of service

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Key figures

The most important key figures provide you with a compact summary of the topic of "Embedded finance " and take you straight to the corresponding statistics.

Top countries for BNPL
Sweden, Germany
Detailed statistics
Buy now, pay later (BNPL) share in e-commerce in 41 countries worldwide 2016-2023
Total users of Klarna in the U.S.
7.9m
Detailed statistics
Key players in buy now, pay later (BNPL) services in the U.S. based on users 2020
Number of Klarna app downloads in the U.S.
8.42m
Detailed statistics
Quarterly Klarna, Afterpay, Affirm, Quadpay, Sezzle downloads in the U.S. in 2020

Most common embedded finance service
Embedded banking
Detailed statistics
Firms planning to offer embedded finance in Europe 2021, by type of service
Most appealing impact of embedded finance
Retaining front-end customer experience
Detailed statistics
Main benefits of embedded finance for firms in Europe 2021