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The State of Embedded Finance (Q4 2024)

January 6, 2025

The State of Embedded Finance (Q4 2024)

From the widespread adoption of embedded insurance at purchase touchpoints to the growing role of Buy Now, Pay Later (BNPL) in e-commerce, Q4 2024 marked a pivotal period for embedded finance. The quarter witnessed a clear shift toward specialized, industry-specific solutions—from healthcare providers adopting BNPL for patient affordability to gig economy platforms offering holistic financial safety nets. SMBs also emerged as key beneficiaries of embedded payments and lending, with developments streamlining workflows, enabling cross-border transactions, and offering instant financing tailored to revenue.

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Description

This report analyzes strategic partnerships, use cases, and funding rounds to uncover the pivotal role of embedded finance in reshaping user experiences, boosting financial inclusivity, and driving operational efficiency across sectors.

Gain a clear view into what’s next for embedded finance:

  • Revolutionizing Payment Experiences: Explore how embedded payments are simplifying checkout processes, integrating BNPL solutions, and enhancing cross-border payment accessibility for businesses and consumers.
  • Empowering SMB Financing: Discover how embedded lending is reshaping SMB financing with instant, revenue-based credit solutions tailored to business cash flow and operational needs.
  • Transforming Platform Capabilities with BaaS: Learn how businesses are leveraging BaaS to integrate banking, payment, and wealth services directly into their platforms, creating holistic financial ecosystems.
  • Redefining Insurance at Purchase Points: See how embedded insurance is being seamlessly integrated at checkout, offering instant coverage for travel, tech, and high-value purchases.

Download the report today and seize the next wave of growth in embedded finance!

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