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

• Sector Dynamics: Analysis of key trends and primary challenges across the emerging space; including the following elements:
  • Open banking and what is needed to support embedded finance
  • Key challenges restricting growth
  • How Banking-as-a-Service will enable new entrants
• 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 Leaderboard: 15 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

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 growth?
4. Where are the biggest opportunities for vendors in the market?
5. Who are the leading vendors?

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.
 

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.