Europe Embedded Finance Market Size, Share & Industry Trends Analysis Report By End-use, By Business Model (B2B, B2C, B2B2B and B2B2C), By Type, By Country and Growth Forecast, 2023 - 2029

The Europe Embedded Finance Market would witness market growth of 29.5% CAGR during the forecast period (2023-2029).

Over the projection period, the growth in e-commerce and online shopping is anticipated to drive market expansion. This is due to the integration of banking services within e-commerce platforms, allowing seamless and practical client experiences. In addition, e-commerce businesses incorporate financial services such as lending, payments, and insurance. For instance, several e-commerce sites, including Amazon.com and Wix e-commerce, provide consumers the option to pay later using a buy now option.

The development of the market is due to technological developments in artificial intelligence (AI). By utilizing AI in embedded finance, service providers can provide their clients with more customized and enhanced services, boosting service use and income. Additionally, it is predicted that the market will expand during the forecast period due to the rise in the usage of Application Programming Interfaces (APIs), which allow data to be exchanged between financial institutions and other organizations, allowing the creation of new financial products.

Long recognized as a pioneer in the financial services industry in the United Kingdom. Fast-growing technical demand, smart regulation, customer engagement in financial services, and the industry's response to the financial crisis have all combined to make fintech adoption in the UK and other nations successful.

The UK has an edge over other Western countries in digital payments due to its early adoption and legislative support of online banking systems. Online payment demand in European countries has risen quickly due to customer desire for digital payments and simple cross-border transactions. The European Union's government has introduced the "European Digital Identity Wallet" to support these transactions. Additionally, the growing integration of online and offline commerce, inventory management, and customer and employee management has accelerated the development of digital payments. The market is expected to increase in the Europe region with the help of the burgeoning fintech sector.

The Germany market dominated the Europe Embedded Finance Market by Country in 2022 and would continue to be a dominant market till 2029; thereby, achieving a market value of $24,998 Million by 2029. The UK market is showcasing a CAGR of 28.4% during (2023 - 2029). Additionally, The France market would experience a CAGR of 30.4% during (2023 - 2029).

Based on End-use, the market is segmented into Retail, Travel & Entertainment, Manufacturing, Logistics, Healthcare and Others. Based on Business Model, the market is segmented into B2B, B2C, B2B2B and B2B2C. Based on Type, the market is segmented into Embedded Payment, Embedded Insurance, Embedded Investment, Embedded Lending and Embedded Banking. Based on countries, the market is segmented into Germany, UK, France, Russia, Spain, Italy, and Rest of Europe.

Free Valuable Insights: The Worldwide Embedded Finance Market is Projected to reach USD 384.8 Billion by 2029, at a CAGR of 30.0%

The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Stripe, Inc., Finastra Group Holdings Limited (Vista Equity Partners), Zopa Bank Limited, Fidelity Information Services (FIS), Inc. (Payrix Solutions, LLC), Transcard Payments, LLC, Fluenccy Pty Ltd., Cybrid Technology Inc., Walnut Insurance Inc., Fortis Payment Systems, LLC, and Lendflow Inc.

Scope of the Study

Market Segments Covered in the Report:

By End-use

• Retail
• Travel & Entertainment
• Manufacturing
• Logistics
• Healthcare
• Others

By Business Model

• B2B
• B2C
• B2B2B
• B2B2C

By Type

• Embedded Payment
• Embedded Insurance
• Embedded Investment
• Embedded Lending
• Embedded Banking

By Country

• Germany
• UK
• France
• Russia
• Spain
• Italy
• Rest of Europe

Key Market Players

List of Companies Profiled in the Report:

• Stripe, Inc.
• Finastra Group Holdings Limited (Vista Equity Partners)
• Zopa Bank Limited
• Fidelity Information Services (FIS), Inc. (Payrix Solutions, LLC)
• Transcard Payments, LLC
• Fluenccy Pty Ltd.
• Cybrid Technology Inc.
• Walnut Insurance Inc.
• Fortis Payment Systems, LLC
• Lendflow Inc.

Chapter 1. Market Scope & Methodology
1.1 Market Definition
1.2 Objectives
1.3 Market Scope
1.4 Segmentation
1.4.1 Europe Embedded Finance Market, by End-use
1.4.2 Europe Embedded Finance Market, by Business Model
1.4.3 Europe Embedded Finance Market, by Type
1.4.4 Europe Embedded Finance Market, by Country
1.5 Methodology for the research

Chapter 2. Market Overview
2.1 Introduction
2.1.1 Overview
2.1.1.1 Market Composition & Scenario
2.2 Key Factors Impacting the Market
2.2.1 Market Drivers
2.2.2 Market Restraints

Chapter 3. Strategies deployed in Embedded Finance Market

Chapter 4. Europe Embedded Finance Market by End-use
4.1 Europe Retail Market by Country
4.2 Europe Travel & Entertainment Market by Country
4.3 Europe Manufacturing Market by Country
4.4 Europe Logistics Market by Country
4.5 Europe Healthcare Market by Country
4.6 Europe Others Market by Country

Chapter 5. Europe Embedded Finance Market by Business Model
5.1 Europe B2B Market by Country
5.2 Europe B2C Market by Country
5.3 Europe B2B2B Market by Country
5.4 Europe B2B2C Market by Country

Chapter 6. Europe Embedded Finance Market by Type
6.1 Europe Embedded Payment Market by Country
6.2 Europe Embedded Insurance Market by Country
6.3 Europe Embedded Investment Market by Country
6.4 Europe Embedded Lending Market by Country
6.5 Europe Embedded Banking Market by Country

Chapter 7. Europe Embedded Finance Market by Country
7.1 Germany Embedded Finance Market
7.1.1 Germany Embedded Finance Market by End-use
7.1.2 Germany Embedded Finance Market by Business Model
7.1.3 Germany Embedded Finance Market by Type
7.2 UK Embedded Finance Market
7.2.1 UK Embedded Finance Market by End-use
7.2.2 UK Embedded Finance Market by Business Model
7.2.3 UK Embedded Finance Market by Type
7.3 France Embedded Finance Market
7.3.1 France Embedded Finance Market by End-use
7.3.2 France Embedded Finance Market by Business Model
7.3.3 France Embedded Finance Market by Type
7.4 Russia Embedded Finance Market
7.4.1 Russia Embedded Finance Market by End-use
7.4.2 Russia Embedded Finance Market by Business Model
7.4.3 Russia Embedded Finance Market by Type
7.5 Spain Embedded Finance Market
7.5.1 Spain Embedded Finance Market by End-use
7.5.2 Spain Embedded Finance Market by Business Model
7.5.3 Spain Embedded Finance Market by Type
7.6 Italy Embedded Finance Market
7.6.1 Italy Embedded Finance Market by End-use
7.6.2 Italy Embedded Finance Market by Business Model
7.6.3 Italy Embedded Finance Market by Type
7.7 Rest of Europe Embedded Finance Market
7.7.1 Rest of Europe Embedded Finance Market by End-use
7.7.2 Rest of Europe Embedded Finance Market by Business Model
7.7.3 Rest of Europe Embedded Finance Market by Type

Chapter 8. Company Profiles
8.1 Stripe, Inc.
8.1.1 Company Overview
8.1.2 Recent strategies and developments:
8.1.2.1 Partnerships, Collaborations, and Agreements:
8.1.2.2 Acquisition and Mergers:
8.2 Finastra Group Holdings Limited (Vista Equity Partners)
8.2.1 Company Overview
8.2.2 Recent strategies and developments:
8.2.2.1 Partnerships, Collaborations, and Agreements:
8.2.2.2 Product Launches and Product Expansions:
8.3 Zopa Bank Limited
8.3.1 Company Overview
8.3.2 Financial Analysis
8.3.3 Recent strategies and developments:
8.3.3.1 Acquisition and Mergers:
8.4 Fidelity Information Services (FIS), Inc. (Payrix Solutions, LLC)
8.4.1 Company Overview
8.4.2 Financial Analysis
8.4.3 Segmental and Regional Analysis
8.5 Lendflow Inc.
8.5.1 Company Overview
8.5.2 Recent strategies and developments:
8.5.2.1 Partnerships, Collaborations, and Agreements:
8.5.2.2 Product Launches and Product Expansions:
8.6 Transcard Payments, LLC
8.6.1 Company Overview
8.6.2 Recent strategies and developments:
8.6.2.1 Product Launches and Product Expansions:
8.7 Fluenccy Pty Ltd.
8.7.1 Company Overview
8.8 Cybrid Technology Inc.
8.8.1 Company Overview
8.9 Walnut Insurance Inc.
8.9.1 Company Overview
8.9.2 Recent strategies and developments:
8.9.2.1 Partnerships, Collaborations, and Agreements:
8.10. Fortis Payment Systems, LLC
8.10.1 Company Overview
8.10.2 Recent strategies and developments:
8.10.2.1 Acquisition and Mergers:

TABLE 1 Europe Embedded Finance Market, 2019 - 2022, USD Million
TABLE 2 Europe Embedded Finance Market, 2023 - 2029, USD Million
TABLE 3 Europe Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 4 Europe Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 5 Europe Retail Market by Country, 2019 - 2022, USD Million
TABLE 6 Europe Retail Market by Country, 2023 - 2029, USD Million
TABLE 7 Europe Travel & Entertainment Market by Country, 2019 - 2022, USD Million
TABLE 8 Europe Travel & Entertainment Market by Country, 2023 - 2029, USD Million
TABLE 9 Europe Manufacturing Market by Country, 2019 - 2022, USD Million
TABLE 10 Europe Manufacturing Market by Country, 2023 - 2029, USD Million
TABLE 11 Europe Logistics Market by Country, 2019 - 2022, USD Million
TABLE 12 Europe Logistics Market by Country, 2023 - 2029, USD Million
TABLE 13 Europe Healthcare Market by Country, 2019 - 2022, USD Million
TABLE 14 Europe Healthcare Market by Country, 2023 - 2029, USD Million
TABLE 15 Europe Others Market by Country, 2019 - 2022, USD Million
TABLE 16 Europe Others Market by Country, 2023 - 2029, USD Million
TABLE 17 Europe Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 18 Europe Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 19 Europe B2B Market by Country, 2019 - 2022, USD Million
TABLE 20 Europe B2B Market by Country, 2023 - 2029, USD Million
TABLE 21 Europe B2C Market by Country, 2019 - 2022, USD Million
TABLE 22 Europe B2C Market by Country, 2023 - 2029, USD Million
TABLE 23 Europe B2B2B Market by Country, 2019 - 2022, USD Million
TABLE 24 Europe B2B2B Market by Country, 2023 - 2029, USD Million
TABLE 25 Europe B2B2C Market by Country, 2019 - 2022, USD Million
TABLE 26 Europe B2B2C Market by Country, 2023 - 2029, USD Million
TABLE 27 Europe Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 28 Europe Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 29 Europe Embedded Payment Market by Country, 2019 - 2022, USD Million
TABLE 30 Europe Embedded Payment Market by Country, 2023 - 2029, USD Million
TABLE 31 Europe Embedded Insurance Market by Country, 2019 - 2022, USD Million
TABLE 32 Europe Embedded Insurance Market by Country, 2023 - 2029, USD Million
TABLE 33 Europe Embedded Investment Market by Country, 2019 - 2022, USD Million
TABLE 34 Europe Embedded Investment Market by Country, 2023 - 2029, USD Million
TABLE 35 Europe Embedded Lending Market by Country, 2019 - 2022, USD Million
TABLE 36 Europe Embedded Lending Market by Country, 2023 - 2029, USD Million
TABLE 37 Europe Embedded Banking Market by Country, 2019 - 2022, USD Million
TABLE 38 Europe Embedded Banking Market by Country, 2023 - 2029, USD Million
TABLE 39 Europe Embedded Finance Market by Country, 2019 - 2022, USD Million
TABLE 40 Europe Embedded Finance Market by Country, 2023 - 2029, USD Million
TABLE 41 Germany Embedded Finance Market, 2019 - 2022, USD Million
TABLE 42 Germany Embedded Finance Market, 2023 - 2029, USD Million
TABLE 43 Germany Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 44 Germany Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 45 Germany Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 46 Germany Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 47 Germany Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 48 Germany Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 49 UK Embedded Finance Market, 2019 - 2022, USD Million
TABLE 50 UK Embedded Finance Market, 2023 - 2029, USD Million
TABLE 51 UK Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 52 UK Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 53 UK Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 54 UK Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 55 UK Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 56 UK Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 57 France Embedded Finance Market, 2019 - 2022, USD Million
TABLE 58 France Embedded Finance Market, 2023 - 2029, USD Million
TABLE 59 France Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 60 France Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 61 France Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 62 France Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 63 France Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 64 France Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 65 Russia Embedded Finance Market, 2019 - 2022, USD Million
TABLE 66 Russia Embedded Finance Market, 2023 - 2029, USD Million
TABLE 67 Russia Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 68 Russia Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 69 Russia Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 70 Russia Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 71 Russia Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 72 Russia Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 73 Spain Embedded Finance Market, 2019 - 2022, USD Million
TABLE 74 Spain Embedded Finance Market, 2023 - 2029, USD Million
TABLE 75 Spain Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 76 Spain Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 77 Spain Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 78 Spain Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 79 Spain Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 80 Spain Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 81 Italy Embedded Finance Market, 2019 - 2022, USD Million
TABLE 82 Italy Embedded Finance Market, 2023 - 2029, USD Million
TABLE 83 Italy Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 84 Italy Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 85 Italy Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 86 Italy Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 87 Italy Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 88 Italy Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 89 Rest of Europe Embedded Finance Market, 2019 - 2022, USD Million
TABLE 90 Rest of Europe Embedded Finance Market, 2023 - 2029, USD Million
TABLE 91 Rest of Europe Embedded Finance Market by End-use, 2019 - 2022, USD Million
TABLE 92 Rest of Europe Embedded Finance Market by End-use, 2023 - 2029, USD Million
TABLE 93 Rest of Europe Embedded Finance Market by Business Model, 2019 - 2022, USD Million
TABLE 94 Rest of Europe Embedded Finance Market by Business Model, 2023 - 2029, USD Million
TABLE 95 Rest of Europe Embedded Finance Market by Type, 2019 - 2022, USD Million
TABLE 96 Rest of Europe Embedded Finance Market by Type, 2023 - 2029, USD Million
TABLE 97 Key information – Stripe, inc.
TABLE 98 Key Information – Finastra Group Holdings Limited
TABLE 99 Key Information – Zopa Bank Limited
TABLE 101 Key Information – Lendflow Inc.
TABLE 102 Key Information – Transcard Payments, LLC
TABLE 103 Key Information – Fluenccy Pty Ltd.
TABLE 104 Key Information – Cybrid Technology Inc.
TABLE 105 Key Information – Walnut Insurance Inc.
TABLE 106 Key Information – Fortis Payment Systems, LLC

List of Figures
FIG 1 Methodology for the research
FIG 2 Europe Embedded Finance Market Share by End-use, 2022
FIG 3 Europe Embedded Finance Market Share by End-use, 2029
FIG 4 Europe Embedded Finance Market by End-use, 2019 - 2029, USD Million
FIG 5 Europe Embedded Finance Market Share by Business Model, 2022
FIG 6 Europe Embedded Finance Market Share by Business Model, 2029
FIG 7 Europe Embedded Finance Market by Business Model, 2019 - 2029, USD Million
FIG 8 Europe Embedded Finance Market Share by Type, 2022
FIG 9 Europe Embedded Finance Market Share by Type, 2029
FIG 10 Europe Embedded Finance Market by Type, 2019 - 2029, USD Million
FIG 11 Europe Embedded Finance Market Share by Country, 2022
FIG 12 Europe Embedded Finance Market Share by Country, 2029
FIG 13 Europe Embedded Finance Market by Country, 2019 - 2029, USD Million
FIG 14 Recent strategies and developments: Stripe, Inc.
FIG 15 Recent strategies and developments: Finastra Group Holdings Limited
FIG 16 Recent strategies and developments: Lendflow Inc.