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1、The Rise of Embedded FinanceA Report on the Evolution and the Future of Embedded FinanceRadboud VlaarManaging Partner,Finch CapitalEdward MooreHead of EMEA SaaS Platforms Revenue&Growth,StripeForeword1Over the last decade we have shifted from disrupting financial institutions to embedding the world

2、of finance behind apps and websites to enable a better and smoother user experience and allow high digital traffic and user players to further monetise and increase stickiness.This trend is widely referred to as“embedded finance,”and it is fast becoming one of the most disruptive trends across payme

3、nts,banking,lending,insurance,and payroll.Embedded finance uses connective technologies to integrate payments and other financial products directly into non-financial platforms,such as company websites or mobile apps,enabling any merchant or brand to offer innovative financial services to customers

4、rapidly and at a relatively low cost.The proliferation of cloud computing and the growing use of open application programming interfaces(APIs)has been a major catalyst,accelerating and reducing the barriers to entry,to make embedded finance possible and accessible.We predict that the embedded financ

5、e industry will become one of the most value creative sectors in fintech,reaching a value of$7 trillion globally over the next ten years.While some of the early embedded finance models(e.g.,payments and lending)are starting to mature,we still see significant growth potential across industries like h

6、ealth,real estate,and employment where plenty of white space remains.In some ways its easier to run a small business today than it has been for a long time.The proliferation of software services designed to take the pain out of undifferentiated operations means businesses can focus on what makes the