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市場調查報告書
商品編碼
1019449

嵌入式金融:主要趨勢、市場機會、市場預測(2021-2026)

Embedded Finance: Key Trends, Segment Opportunities & Market Forecasts 2021-2026

出版日期: | 出版商: Juniper Research Ltd | 英文 | 商品交期: 最快1-2個工作天內

價格
  • 全貌
  • 簡介
  • 目錄
簡介

本報告調查了全球嵌入式金融市場,包括市場規模和預測、供應商商機、嵌入式金融成功評估、行業挑戰和未來前景以及細分/地區。它提供了市場基準預測和概況等信息。

參考公司

  • 案例研究:Lyft
  • Juniper Research涵蓋的企業:Bankable、Banxware、Bond、Cross River、Finix、Flywire、Marqeta、MX、OpenPayd、Plaid、Q2、Railsbank、Synapse、Tink、UNIPaaS Payments Technologies
  • 本報告提及的企業:500 Startups、9 Yards Capital、ABN、ABN AMRO Ventures、Acorns、Advent、Adyen、Affirm、Afterpay、Alipay、Amazon、American Express Ventures、Andreessen Horowitz、Aplazame、Apple、Arkea Banking Services、Auka、Bank of America、Barclays、Betterment、BM Technologies、Boleto、Bridge21、British Red Cross、California Pizza Kitchen、Cambr、Canaan Partners、Capital One、CapitalG、CBR (Central Bank of Russia)、Charles Schwab、Chime、Chingona Ventures、Citi、Citizens Bank、ClickSWITCH、Clubessential、Coinbase、CoinZoom、Core Innovation Capital、Customers Bank、Dawn Capital、DCU Fintech Innovation Centre、Deutsche Bank、Digital Garage、Discover、Ditto Bank、Donut、Dozens、Dwolla、EBA (European Banking Authority)、EllieMae、Eurazeo、Eurobits Technologies、Facebook、Fattmerchant、Fintech Sandbox、FinTecSystems、FiVision、FJ Labs、Force Over MaaS Capital、Formfree、Frollo、FSC (Financial Services Commission)、GameStop、Goldman Sachs、Google、Grab、Greycroft、High Tech Grunderfonds、IBM、Index Ventures、Instantor、JCB、Jiffy Lube、JPMorgan Chase、Kabbage、KeyBanc Capital Markets、Klarna、Kleiner Perkins、LEVEL、LEVERIS、Lieferando、Lightspeed、LVL、Lyft、Manhattan West Asset Management、MANTL、MaRS、Mastercard、Mercado Libre、Microsoft、Morning、MyPocketSkill、N26、NASDAQ、National Tire、New Enterprise Associates、Nomad、Novalnet、Novus、Nubank、NYSE、Old National Bank、Paceline、Passport、Payfare、PayPal、Pelion Venture Partners、Pep Boys、PFC - Personal Finance Co、Prelim、PYMNTS、Quadpay、Quo、Rappi、Revolut、Robinhood、Rocketloans、Royale Oceanic、Service Center、Simpl、Spark Capital、Spendesk、Splitit、SS&C、Starling、Stride Bank、Stripe、Swissborg、Temasek Holdings、Tire Kingdom、T-Mobile、TPG、TPY Capital、Transact Payments、Trinity Ventures、Trustly、Uber、UK Department of Justice、UnionPay、Upstart、US Bank、US Bank、Venmo、Visa、VR Ventures、Wealthfront、WeChat、Wells Fargo、WhatsApp、William Blair 、Wirecard Card Solutions、Y Combinator、YAPEAL

數據和預測:

  • 來自 8 個主要地區和 25 個國家的數據
    • 阿根廷
    • 澳大利亞
    • 巴西
    • 加拿大
    • 中國
    • 哥倫比亞
    • 丹麥
    • 法國
    • 德國
    • 印度
    • 意大利
    • 日本
    • 墨西哥
    • 荷蘭
    • 挪威
    • 波蘭
    • 葡萄牙
    • 沙特阿拉伯
    • 新加坡
    • 南非
    • 韓國
    • 西班牙
    • 瑞典
    • 英國
    • 美國

目錄

第 1 章嵌入式金融:要點和戰略建議

  • 要點
  • 戰略建議

第 2 章嵌入式金融市場形勢

  • 簡介
  • 定義
  • 嵌入式金融部門
  • 開放銀行和嵌入式金融
    • 在歐洲以外開設銀行業務
    • 結論
  • BaaS(銀行即服務)和嵌入式金融
  • 主要嵌入式金融的趨勢
    • 大科技引領嵌入式金融創新
      • 案例研究:Lyft Direct
    • B2B 供應商在嵌入式金融中發揮重要作用
  • 嵌入式金融面臨的挑戰
    • 需要合作/缺乏基礎設施
      • 北美
      • 拉丁美洲
      • 西歐
      • 中歐/東歐
      • 遠東和中國
      • 印度次大陸
      • 其他亞太地區
      • 非洲和中東
      • 結論
    • 金融機構的傳統思維方式

第 3 章嵌入式財務部門分析

  • 簡介
  • 嵌入式金融:影響分析
    • 影響分析評論
  • 細分市場分析
    • 嵌入式支付
      • 簡介
      • 用例
      • 挑戰
      • 規則
      • 未來展望
    • 嵌入式借貸
    • 嵌入式投資
    • 嵌入式保險
    • 嵌入式銀行業務

第四章嵌入式金融競爭分析和排行榜

  • 供應商分析和排行榜
    • 簡介
    • 利益相關者評估標準
    • 限制和解釋
  • 嵌入式金融公司說明
    • 既定的領導者
    • 主要挑戰者
    • 干擾器和模擬器
  • 嵌入式金融供應商簡介
    • 可銀行
      • 公司
      • 地域分佈
      • 與主要客戶的戰略合作夥伴關係
      • 條款概述
      • 瞻博網絡研究觀點:主要優勢和戰略發展機遇
    • Banxware
    • Bond
    • Cross River
    • Finix
    • Flywire
    • Marqeta
    • MX
    • OpenPayd
    • Plaid
    • Q2
    • Railsbank
    • Synapse
    • Tink
    • UNIPaaS Payments Technologies

第 5 章嵌入式金融市場預測

  • 簡介
  • 預測調查方法和先決條件
  • 嵌入式金融:市場預測
    • 嵌入式金融市場的總銷售額
    • 嵌入式銀行概述
    • 嵌入式支付概覽
    • 嵌入式投資概覽
    • 嵌入式保險
    • 嵌入式借貸概覽
目錄

Juniper Research's new “ Embedded Finance” research offers in-depth analysis of this rapidly emerging area, opportunities for vendors and considerations when assessing the market. The report assesses the success of embedded finance to date, as well as providing a future outlook for its disruptive potential. It also analyses 15 leading embedded finance vendors via a Juniper Research Leaderboard. The research includes segment-specific analysis of challenges and a future outlook for each of the following areas:

  • Embedded Banking
  • Embedded Insurance
  • Embedded Investments
  • Embedded Lending
  • Embedded Payments

The research also provides industry benchmark forecasts for the market; split by each of the segments identified above, as well as by our 8 key regions and 25 countries.

This research suite comprises:

  • Strategy & Forecasts (PDF)
  • 5-year Deep Dive Data & Forecasting (PDF/IFxl)
  • 12 months' access to harvest online data platform

KEY FEATURES

  • Embedded Finance Sector Dynamics: Analysis of key trends and primary challenges across the emerging embedded finance space; including the following elements:
    • Open banking and what is needed to support embedded finance
    • Key challenges restricting embedded finance growth
    • How Banking-as-a-Service will enable new entrants
  • Embedded Finance Segment Assessment & Future Outlook: Specific assessment of how embedded finance is going to fare across several different verticals, across embedded banking, embedded payments, embedded insurance, embedded investments and embedded lending, as well as a future outlook for the overall market.
  • Juniper Research Embedded Finance Leaderboard: 15 embedded finance vendors positioned on the Juniper Research Leaderboard; accompanied by heatmap-based scoring and individual player analysis. Vendors covered include:
    • Bankable
    • Banxware
    • Bond
    • Cross River
    • Finix
    • Flywire
    • Marqeta
    • MX
    • OpenPayd
    • Plaid
    • Q2
    • Railsbank
    • Synapse
    • Tink
    • UNIPaaS Payments Technologies
  • Benchmark Industry Forecasts: Forecasts sizing markets up to 2026 for embedded finance, split by embedded banking, embedded payments, embedded insurance, embedded investments and embedded lending, as well as by our 8 key regions and the 25 countries listed below:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • India
    • Italy
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • South Africa
    • South Korea
    • Spain
    • Sweden
    • UK
    • US

KEY QUESTIONS

  • 1. What will the total value of the embedded finance market in 2026 be?
  • 2. What segments are best suited to embedded finance disruption?
  • 3. What frameworks and technologies need to be in place to support embedded finance growth?
  • 4. Where are the biggest opportunities for vendors in the embedded finance market?
  • 5. Who are the leading vendors for embedded finance?

COMPANIES REFERENCED

  • Case Studied: Lyft
  • Included in Juniper Research Leaderboard: Bankable, Banxware, Bond, Cross River, Finix, Flywire, Marqeta, MX, OpenPayd, Plaid, Q2, Railsbank, Synapse, Tink, UNIPaaS Payments Technologies.
  • Mentioned: 500 Startups, 9 Yards Capital, ABN, ABN AMRO Ventures, Acorns, Advent, Adyen, Affirm, Afterpay, Alipay, Amazon, American Express Ventures, Andreessen Horowitz, Aplazame, Apple, Arkea Banking Services, Auka, Bank of America, Barclays, Betterment, BM Technologies, Boleto, Bridge21, British Red Cross, California Pizza Kitchen, Cambr, Canaan Partners, Capital One, CapitalG, CBR (Central Bank of Russia), Charles Schwab, Chime, Chingona Ventures, Citi, Citizens Bank, ClickSWITCH, Clubessential, Coinbase, CoinZoom, Core Innovation Capital, Customers Bank, Dawn Capital, DCU Fintech Innovation Centre, Deutsche Bank, Digital Garage, Discover, Ditto Bank, Donut, Dozens, Dwolla, EBA (European Banking Authority), EllieMae, Eurazeo, Eurobits Technologies, Facebook, Fattmerchant, Fintech Sandbox, FinTecSystems, FiVision, FJ Labs, Force Over MaaS Capital, Formfree, Frollo, FSC (Financial Services Commission), GameStop, Goldman Sachs, Google, Grab, Greycroft, High Tech Grunderfonds, IBM, Index Ventures, Instantor, JCB, Jiffy Lube, JPMorgan Chase, Kabbage, KeyBanc Capital Markets, Klarna, Kleiner Perkins, LEVEL, LEVERIS, Lieferando, Lightspeed, LVL, Lyft, Manhattan West Asset Management, MANTL, MaRS, Mastercard, Mercado Libre, Microsoft, Morning, MyPocketSkill, N26, NASDAQ, National Tire, New Enterprise Associates, Nomad, Novalnet, Novus, Nubank, NYSE, Old National Bank, Paceline, Passport, Payfare, PayPal, Pelion Venture Partners, Pep Boys, PFC - Personal Finance Co, Prelim, PYMNTS, Quadpay, Quo, Rappi, Revolut, Robinhood, Rocketloans, Royale Oceanic, Service Center, Simpl, Spark Capital, Spendesk, Splitit, SS&C, Starling, Stride Bank, Stripe, Swissborg, Temasek Holdings, Tire Kingdom, T-Mobile, TPG, TPY Capital, Transact Payments, Trinity Ventures, Trustly, Uber, UK Department of Justice, UnionPay, Upstart, US Bank, US Bank, Venmo, Visa, VR Ventures, Wealthfront, WeChat, Wells Fargo, WhatsApp, William Blair , Wirecard Card Solutions, Y Combinator, YAPEAL.

DATA & INTERACTIVE FORECAST

Juniper Research's “ Embedded Finance” forecast suite includes:

  • Forecast splits for 8 key regions, as well as 25 country-level data splits for:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • India
    • Italy
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • South Africa
    • South Korea
    • Spain
    • Sweden
    • UK
    • US
  • Forecasts include digital banking deposits held via Banking-as-a-Service platforms, embedded payments transaction volume and value, embedded insurance premiums written, embedded investments assets under management and Buy Now Pay Later market value.
  • Interactive Scenario Tool allowing users to manipulate Juniper Research's data for 8 different metrics.
  • Access to the full set of forecast data of 61 tables and more than 14,700 datapoints.

Juniper Research's highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase the clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Embedded Finance: Key Takeaways & Strategic Recommendations

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Embedded Finance - Market Landscape

  • 2.1 Introduction
  • 2.2 Definition
  • 2.3 Embedded Finance Segments
  • 2.4 Open Banking & Embedded Finance
    • Figure 2.1: Number of Open Banking Users (m), Split by 8 Key Regions, 2019-2026
    • Figure 2.2: Attitudes to Open Banking, UK Survey Results
    • 2.4.1 Open Banking Outside Europe
    • 2.4.2 Conclusion
  • 2.5 Banking-as-a-Service & Embedded Finance
  • 2.6 Key Embedded Finance Trends
    • 2.6.1 Big Techs Leading Embedded Finance Innovation
      • Case Study: Lyft Direct
    • 2.6.2 B2B Vendors Have Important Role to Play in Embedded Finance
  • 2.7 Embedded Finance Challenges
    • 2.7.1 Need for Partnerships/Lack of Infrastructure
      • i. North America
      • ii. Latin America
      • iii. West Europe
      • iv. Central & East Europe
      • v. Far East & China
      • vi. Indian Subcontinent
      • vii. Rest of Asia Pacific
      • viii. Africa & Middle East
      • ix. Conclusion
    • 2.7.2 Traditional Mindsets at Financial Institutions

3. Embedded Finance - Segment Analysis

  • 3.1 Introduction
  • 3.2 Embedded Finance: Impact Analysis
    • Figure 3.1: Embedded Finance: Segment Impact Assessment & Key
    • 3.2.1 Impact Analysis Commentary
  • 3.3 Segment-specific Analysis
    • 3.3.1 Embedded Payments
      • i. Introduction
        • Figure 3.3: 1-Click Process with Amazon
      • ii. Use Cases
      • iii. Challenges
      • iv. Regulations
      • v. Future Outlook
        • Figure 3.4: Number of People Using Digital Wallets, Year End (m), Split by 8 Key Regions, 2020-2025
    • 3.3.2 Embedded Lending
      • i. Introduction
        • Figure 3.5: Klarna Example Checkout Appearance
      • ii. Use Cases
      • iii. Challenges
      • iv. Regulations
      • v. Future Outlook
    • 3.3.3 Embedded Investments
      • i. Introduction
      • ii. Use Cases
      • iii. Challenges
        • Figure 3.6: Investments on Erica from Bank of America
      • iv. Regulations
      • v. Future Outlook
    • 3.3.4 Embedded Insurance
      • i. Introduction
      • ii. Use Cases
        • Figure 3.7: Insurance Options Integrated within the Checkout Process
      • iii. Challenges
      • iv. Regulations
      • v. Future Outlook
    • 3.3.5 Embedded Banking
      • i. Introduction
      • ii. Use Cases
        • Figure 3.8: T-Mobile MONEY
      • iii. Challenges
      • iv. Regulations
      • v. Future Outlook

4. Embedded Finance Competitive Analysis & Leaderboard

  • 4.1 Vendor Analysis & Leaderboard
    • 4.1.1 Introduction
    • 4.1.2 Stakeholder Assessment Criteria
      • Table 4.1: Embedded Finance Player Capability Criteria
      • Figure 4.2: Juniper Research Embedded Finance Vendor Leaderboard
      • Table 4.3: Embedded Finance Leaderboard Scoring
    • 4.1.3 Limitations & Interpretation
  • 4.2 Embedded Finance Player Commentary
    • 4.2.1 Established Leaders
    • 4.2.2 Leading Challengers
    • 4.2.3 Disruptors & Emulators
  • 4.3 Embedded Finance Vendor Profiles
    • 4.3.1 Bankable
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.2 Banxware
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.3 Bond
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.4 Cross River
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 4.4: Cross River Marketplace Lending Platform
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.5 Finix
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.6 Flywire
      • i. Corporate
        • Figure 4.5: Flywire Financial Results, 2019/20
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.7 Marqeta
      • i. Corporate
        • Figure 4.5: Marqeta Financial Results, 2019/20
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.8 MX
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.9 OpenPayd
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 4.6: OpenPayd Merchant Acquisition Service
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.10 Plaid
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.11 Q2
      • i. Corporate
        • Figure 4.5: Q2 Financial Results, 2019/20
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.12 Railsbank
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.13 Synapse
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.14 Tink
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.3.15 UNIPaaS Payments Technologies
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities

5. Embedded Finance Market Forecasts

  • 5.1 Introduction
  • 5.2 Forecast Methodology & Assumptions
    • Figure 5.1: Digital BNPL Forecast Methodology
    • Figure 5.2: Embedded Banking Forecast Methodology
    • Figure 5.3: Embedded Payments Forecast Methodology
    • Figure 5.4: Embedded Investments Forecast Methodology
    • Figure 5.5: Embedded Insurance Forecast Methodology
  • 5.3 Embedded Finance: Market Forecasts
    • 5.3.1 Total Embedded Finance Market Value
      • Figure &Table 5.6: Embedded Finance Market Value ($m), 2021-2026, Split by 8 Key Regions
    • 5.3.2 Embedded Banking Summary
      • Figure & Table 5.7: Total Customer Revenue for Banks via BaaS Platforms ($m), 2021-2026, Split by 8 Key Regions
    • 5.3.3 Embedded Payments Summary
      • Figure & Table 5.8: Total Transaction Revenue for Embedded Payments ($m), 2021-2026, Split by 8 Key Regions
    • 5.3.4 Embedded Investments Summary
      • Figure & Table 5.9: Total Embedded Investments Revenue from Fees ($m), 2021-2026, Split by 8 Key Regions
    • 5.3.5 Embedded Insurance
      • Figure & Table 5.10: Total Premiums for Embedded Insurance ($m), 2021-2026, Split by 8 Key Regions
    • 5.3.6 Embedded Lending Summary
      • Figure & Table 5.11: Total Digital BNPL & Flexible Credit Platform Revenue ($m), Split by 8 Key Regions, 2021-2026