The concept of embedded finance has been around for quite some time. Traditionally, businesses like car dealerships used embedded finance to offer loans when someone wanted to purchase a vehicle.

The global embedded finance market is in a healthy state. According to MarketsandMarkets, its value stood at $115.8 billion in 2024, and is expected to reach $251.5 billion in 2029.

Ray Fernandez, writing for TechRepublic Premium, looks at how embedded finance works, the different types and use cases, big names in the sector, the benefits, challenges, and best practices.

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  TYPES AND USE CASES

  There are numerous examples across the fintech landscape. As the sector continues to modernize, new models and services also emerge. But let’s look at the eight most common types and what sectors use them.

  4. Embedded investing

  The world of Wall Street is no longer exclusive to professional brokers and investors. Financial organizations have opened it up to the masses with digital tools. Fintech investing companies enable investment activities like buying stocks, fractional shares, or micro-investing and offer their services as embedded investing for non-financial platforms.

  Neobanks, traditional banks, and crypto wallets are some of the companies that use embedded investing. They also commonly add new services to attract clients, such as investment options, financial management apps, and automatic AI investing.

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