2025 Key Numbers on Embedded Finance

June 04, 2025

What is Embedded Finance?

Embedded Finance refers to the integration of financial services into non-financial platforms or applications. This allows companies that are not traditional financial institutions to offer services such as payments, financing, loans, or insurance—without having to build complex financial infrastructures from scratch.

 

The Embedded Finance market is skyrocketing

The Embedded Finance market is experiencing rapid expansion and is forecasted to reach $146 billion by 2025. This growth is being fueled by increasing demand for integrated financial services across industries such as retail, software, and mobility.

 

With a projected compound annual growth rate (CAGR) of 36%, the market is expected to continue accelerating, reaching $690 billion by 2030.

 

Looking ahead to 2035, estimates place the market size between $1.5 trillion and $2 trillion, highlighting the long-term potential and widespread adoption of Embedded Finance solutions across both consumer and business sectors.

What’s the Revenue Impact of Embedded Finance?

Many businesses that have implemented Embedded Finance have seen a clear impact on their performance, with 94% reporting an increase in revenue.

 

By integrating financial services directly into their platforms, these companies are able to offer smoother, more convenient experiences for users. This added convenience leads to higher engagement, better customer retention, and ultimately, stronger financial results.

What do FinTech leaders think about Embedded Finance?

A recent global survey reveals strong consensus among FinTech leaders on the growing importance of Embedded Finance.

 

According to the findings, 67% of respondents believe that a well-executed Embedded Finance strategy not only delivers clear value to customers but also significantly enhances cross-selling opportunities. By integrating financial services into non-financial platforms, businesses can create more relevant and timely offerings—boosting both user satisfaction and revenue potential.

 

Looking ahead, 72% of FinTech leaders predict that most financial services will be delivered through Embedded Finance in the future. This highlights a growing consensus that financial solutions are becoming more seamlessly integrated into everyday digital experiences. As this evolution unfolds, Embedded Finance is poised to play a pivotal role in how individuals and businesses access and interact with financial products globally.

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