According to the Q4 2021 Embedded Finance Survey, Embedded Lending industry in the region is expected to grow by 38.9% on annual basis to reach US$8,104.5 million in 2022.
The embedded lending industry is expected to grow steadily over the forecast period, recording a CAGR of 25.4% during 2022-2029. The embedded lending revenues in the region will increase from US$8,104.5 million in 2022 to reach US$28,409.0 million by 2029.
Market players are raising funds to expand their offerings for business lending segment
The business lending segment is offering a significant growth opportunity for embedded lending companies post-pandemic. Market participants are raising funds to improve their offering and expand their foothold in the business lending segment. This will help the lending companies and players in the ecosystem to capitalize on the overall prospects in this market. For instance,
With the companies developing new products is expected to result in innovations and improved features in the embedded lending platform.
1. Europe
2. Austria
3. Belgium
4. Denmark
5. Finland
6. France
7. Germany
8. Greece
9. Ireland
10. Israel
11. Italy
12. Netherlands
13. Poland
14. Russia
15. Spain
16. Switzerland
17. United Kingdom
This report provides regional insights, along with an in-depth data centric analysis of the Embedded Lending industry in Europe, covering 50+ KPIs for each region and country (300+ charts and 200+ tables in all). Below is a summary of key market segments:
Figure 2: Embedded Lending - Revenue (US$ Million), 2020-2029
Figure 3: Market Share Analysis by Consumer Segment (%), 2020-2029
Figure 4: B2B Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 5: B2C Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 6: Market Share Analysis by B2B Sectors (%), 2021 Vs. 2029
Figure 7: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 8: IT & Software Services - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 9: Transport & Logistics - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 10: Manufacturing & Distribution - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 11: Real Estate - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 12: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 13: Market Share Analysis by B2C Sectors (%), 2021 Vs. 2029
Figure 14: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 15: Home Improvement - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 16: Leisure & Entertainment - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 17: Healthcare & Wellness - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 18: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 2: B2B Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 3: B2C Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 4: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 5: IT & Software Services - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 6: Transport & Logistics - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 7: Manufacturing & Distribution - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 8: Real Estate - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 9: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 10: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 11: Home Improvement - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 12: Leisure & Entertainment - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 13: Healthcare & Wellness - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 14: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
The embedded lending industry is expected to grow steadily over the forecast period, recording a CAGR of 25.4% during 2022-2029. The embedded lending revenues in the region will increase from US$8,104.5 million in 2022 to reach US$28,409.0 million by 2029.
- In Europe, embedded lending is becoming increasingly popular among consumers due to the rising popularity of the buy now pay later lending model. Consumers are increasingly looking for convenient and innovative payments option for online purchases.
- BNPL mode of lending is the most popular among consumers due to its affordability and convenience. Some of the key players offering BNPL service include Klarna, PayPal Credit, and Splitit in the region.
- Embedded lending is most popular in the United Kingdom compared to other countries in the European region. The United Kingdom is one of the early adopters of embedded lending options for making purchases. Shoppers in the United Kingdom observe retail finance as a convenient way to split the cost of expensive purchases.
- Furthermore, the pandemic has also propelled the demand for embedded lending in crucial industry segments across European countries. The trust factor is higher for traditional banks. However, convenience and promptness are the key factors that have helped the embedded lenders compete with traditional banks.
- While both e-commerce and digital payments firms have benefited from this trend, several new opportunities have emerged outside these industries.
- European companies operating in this segment recorded significant growth in their consumer base during the pandemic. The region is still dealing with the uncertainties around socio-economic challenges backed by the pandemic. Consequently, it is expected that the trend is likely to be the same over Q4, 2021.
Market players are raising funds to expand their offerings for business lending segment
The business lending segment is offering a significant growth opportunity for embedded lending companies post-pandemic. Market participants are raising funds to improve their offering and expand their foothold in the business lending segment. This will help the lending companies and players in the ecosystem to capitalize on the overall prospects in this market. For instance,
- In December 2020, the United Kingdom-based embedding revenue-based finance platform provider Liberis raised £70 million, totaling the company’s valuation at £200 million. The fund was raised by the company’s old investors, including British Business Investments, Paragon Bank, BCI Europe, and a new investor Silicon Valley Bank.
- The newly raised funds will be utilized to launch new products and enter new markets with high growth opportunities.
With the companies developing new products is expected to result in innovations and improved features in the embedded lending platform.
This report provides regional insights into key trends and drivers along with a detailed data centric analysis of market opportunities in embedded lending industry at regional and country level. Region and countries included in this report are:
1. Europe
2. Austria
3. Belgium
4. Denmark
5. Finland
6. France
7. Germany
8. Greece
9. Ireland
10. Israel
11. Italy
12. Netherlands
13. Poland
14. Russia
15. Spain
16. Switzerland
17. United Kingdom
Scope
This report provides regional insights, along with an in-depth data centric analysis of the Embedded Lending industry in Europe, covering 50+ KPIs for each region and country (300+ charts and 200+ tables in all). Below is a summary of key market segments:
Embedded Lending Market Size and Forecast
Embedded Lending by Consumer Segments, 2020 - 2029
- Business Lending
- Retail Lending
Embedded Lending by B2B Sectors, 2020 - 2029
- Embedded Lending in Retail & Consumer Goods
- Embedded Lending in IT & Software Services
- Embedded Lending in Media, Entertainment & Leisure
- Embedded Lending in Manufacturing & Distribution
- Embedded Lending in Real Estate
- Embedded Lending in Other
Embedded Lending by B2C Sectors, 2020 - 2029
- Embedded Lending in Retail Shopping
- Embedded Lending in Home Improvement
- Embedded Lending in Leisure & Entertainment
- Embedded Lending in Healthcare and Wellness
- Embedded Lending in Other
All the regional and country reports cover the following charts and tables:
List of Figures
Figure 1: Methodology FrameworkFigure 2: Embedded Lending - Revenue (US$ Million), 2020-2029
Figure 3: Market Share Analysis by Consumer Segment (%), 2020-2029
Figure 4: B2B Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 5: B2C Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 6: Market Share Analysis by B2B Sectors (%), 2021 Vs. 2029
Figure 7: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 8: IT & Software Services - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 9: Transport & Logistics - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 10: Manufacturing & Distribution - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 11: Real Estate - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 12: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 13: Market Share Analysis by B2C Sectors (%), 2021 Vs. 2029
Figure 14: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 15: Home Improvement - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 16: Leisure & Entertainment - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 17: Healthcare & Wellness - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 18: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
List of Tables
Table 1: Embedded Lending - Revenue (US$ Million), 2020-2029Table 2: B2B Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 3: B2C Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 4: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 5: IT & Software Services - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 6: Transport & Logistics - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 7: Manufacturing & Distribution - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 8: Real Estate - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 9: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 10: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 11: Home Improvement - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 12: Leisure & Entertainment - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 13: Healthcare & Wellness - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 14: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Reasons to buy
- In-depth Understanding of Embedded Finance Market Dynamics: Understand market opportunities and key trends along with forecast (2019-2028).
- Insights into Opportunity by end-use sectors - Get market dynamics by end-use sectors to assess emerging opportunity across various end-use sectors.
- Develop Market Specific Strategies: Identify growth segments and target specific opportunities to formulate embedded finance strategy; assess market specific key trends, drivers, and risks in the industry.
- Get Sector Insights: Drawing from proprietary survey results, this report identifies opportunities across embedded lending, embedded insurance, embedded finance, and embedded wealth sectors.
Table of Contents
This report provides detailed 17 sections, covering regional insights along with data centric analysis at regional and country level (300+ charts and 200+ tables in all):1. Europe Embedded Lending Business and Investment Opportunities
2. Austria Embedded Lending Business and Investment Opportunities
3. Belgium Embedded Lending Business and Investment Opportunities
4. Denmark Embedded Lending Business and Investment Opportunities
5. Finland Embedded Lending Business and Investment Opportunities
6. France Embedded Lending Business and Investment Opportunities
7. Germany Embedded Lending Business and Investment Opportunities
8. Greece Embedded Lending Business and Investment Opportunities
9. Ireland Embedded Lending Business and Investment Opportunities
10. Israel Embedded Lending Business and Investment Opportunities
11. Italy Embedded Lending Business and Investment Opportunities
12. Netherlands Embedded Lending Business and Investment Opportunities
13. Poland Embedded Lending Business and Investment Opportunities
14. Russia Embedded Lending Business and Investment Opportunities
15. Spain Embedded Lending Business and Investment Opportunities
16. Switzerland Embedded Lending Business and Investment Opportunities
17. United Kingdom Embedded Lending Business and Investment Opportunities
All the regional and country sections above follow the following table of contents covering 18 charts and 14 tables for each country/region:
1 About this Report
1.1 Summary
1.2 Methodology
1.3 Embedded Lending Definitions
1.4 Disclaimer
2 Embedded Lending Industry Market Size and Forecast, 2020-2029
3 Embedded Lending Industry Market Size and Forecast by Consumer Segment
3.1 Market Share Analysis by Consumer Segment
3.2 B2B Lending - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
3.3 B2C Lending - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
4 Embedded Lending Industry Market Size and Forecast by Business to Business (B2B) Sectors
4.1 Market Share Analysis by B2B Sectors
4.2 Retail & Consumer Goods Lending - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
4.3 IT & Software Services - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
4.4 Transport & Logistics - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
4.5 Manufacturing & Distribution - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
4.6 Real Estate - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
4.7 Other - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
5 Embedded Lending Industry Market Size and Forecast by Business to Consumer (B2C) Sectors
5.1 Market Share Analysis by B2C Sectors
5.2 Retail & Consumer Goods Lending - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
5.3 Home Improvement - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
5.4 Leisure & Entertainment - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
5.5 Healthcare & Wellness - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
5.6 Other - Embedded Lending Industry Revenue Trend Analysis, 2020-2029
6 Further Reading
6.1 About the Publisher
List of FiguresFigure 1: Methodology Framework
Figure 2: Europe Embedded Lending - Revenue (US$ Million), 2020-2029
Figure 3: Market Share Analysis by Consumer Segment (%), 2020-2029
Figure 4: B2B Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 5: B2C Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 6: Market Share Analysis by B2B Sectors (%), 2021 Vs. 2029
Figure 7: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 8: IT & Software Services - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 9: Transport & Logistics - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 10: Manufacturing & Distribution - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 11: Real Estate - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 12: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 13: Market Share Analysis by B2C Sectors (%), 2021 Vs. 2029
Figure 14: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 15: Home Improvement - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 16: Leisure & Entertainment - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 17: Healthcare & Wellness - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Figure 18: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
List of TablesTable 1: Europe Embedded Lending - Revenue (US$ Million), 2020-2029
Table 2: B2B Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 3: B2C Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 4: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 5: IT & Software Services - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 6: Transport & Logistics - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 7: Manufacturing & Distribution - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 8: Real Estate - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 9: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 10: Retail & Consumer Goods Lending - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 11: Home Improvement - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 12: Leisure & Entertainment - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 13: Healthcare & Wellness - Embedded Lending Industry Revenue (US$ Million), 2020-2029
Table 14: Other - Embedded Lending Industry Revenue (US$ Million), 2020-2029
