Finance markets

Global Integrated Finance Markets Report 2022: 50+ KPIs Across Integrated Lending, Insurance, Payments and Wealth Segments, 2020-2029 –

The report “Global Embedded Finance Business and Investment Opportunities – 50+ KPIs on Embedded Lending, Insurance, Payment, and Wealth Segments – Q1 2022 Update” has been added to from offer.

The global integrated finance industry is expected to grow 39.4% on an annual basis to reach US$241,018.2 million in 2022.

The integrated finance industry is expected to grow steadily over the forecast period, registering a CAGR of 23.9% during the period 2022-2029. Integrated finance revenue will grow from US$241,018.2 million in 2022 to US$776,731.2 million by 2029.

The Asia-Pacific region is home to the world’s leading integrated loan providers. The region has been and continues to be a hotspot for some of the most advanced fintech markets in the world. Moreover, the growing number of fintech technological advancements has made the Asia-Pacific region a global leader in fintech innovations.

Countries like Australia, India, China, Singapore, Indonesia and Malaysia have seen strong growth in demand for integrated lending options over the past four to eight quarters. The presence of a large youthful population in the region is primarily driving the demand and growth of the market.

In Europe, integrated loans are becoming increasingly popular with consumers due to the growing popularity of the “buy now, pay later” loan model. Consumers are increasingly looking for a convenient and innovative payment option for online purchases. BNPL loan mode is the most popular among consumers due to its affordability and convenience. Some of the major players offering the BNPL service include Klarna, PayPal Credit, and Splitit in the region.

Integrated loans are most popular in the UK compared to other countries in the European region. The UK is an early adopter of in-app lending options for making purchases. Buyers in the UK find retail financing a convenient way to spread the cost of expensive purchases.

The integrated insurance landscape is booming in Europe, and countries such as the UK, Germany and France have contributed significantly to the growth of the integrated insurance business in the region.

To remain competitive in the market and to keep up with ever-changing customer requirements, European insurers are changing their business models and striving to improve their distribution channels. Moreover, with the growing number of new entrants to the region, the European integrated insurance market is booming. Tremendous increases in new fundraising propel the market to new heights.

According to the publisher’s analysis, European insurtech start-ups exceeded 2020 total capital investment by more than US$1 billion in the first quarter of 2021, with a total of almost of US$2 billion invested in more than 50 transactions. . Over the next four to eight quarters, increased financial activity is expected to increase demand for integrated insurance.

  • In June 2021, German digital insurance startup Wefox raised a $650 million Series C funding round led by Target Global. Wefox is a digital insurer specializing in personal insurance products such as home insurance, car insurance and liability insurance. With the latest fundraising, the company reached a total value of US$3 billion.

  • In June 2021, Bought By Many, a London, UK-based pet insurance provider, raised US$350 million in Series D funding, bringing the total company value to more than 2 billion US dollars.

  • Both companies plan to use these funds to expand their operations in European countries.

  • The publisher expects the continuation of investment cycles in the integrated insurance sector in Europe over the next four to eight quarters.

The integrated payments industry in Africa and the Middle East is going through a testing phase, and incumbents in the payments market ecosystem need to evolve to stay relevant in the industry as ever-changing customer demand makes the current system obsolete.

Established and new-era fintech companies have invested heavily in integrated payment solutions over the past four to six quarters, driving market growth.

Additionally, customers expect e-commerce platforms to provide a seamless shopping experience. Integrated payment may be the solution to these ever-increasing customer demands. It also allows businesses to provide value-added benefits to customers and increase loyalty. Therefore, the publisher expects strong market growth over the next four to eight quarters.

The embedded payments industry is still in its early stages of development in most major economies such as Egypt and the United Arab Emirates. However, over the past six to eight quarters, it has been observed that a spike in the number of start-ups in the integrated payment market, spurred by the collaborative efforts of governments and other stakeholders, has improved the payment systems.

The region has several diverse factors driving the growth of the market, including a large economy, large youthful population, and abundant skilled labor. As a result, the region has huge potential to grow its fintech industry in 2022 and beyond.


The region and countries included in this report are:

  • Global

  • Argentina

  • Australia

  • Brazil

  • Canada

  • China

  • France

  • Germany

  • India

  • Indonesia

  • Italy

  • Kenya

  • Mexico

  • Nigeria

  • Philippines

  • Russia

  • South Africa

  • Thailand

  • United Arab Emirates

  • UK

  • United States

Integrated Finance Market Size and Forecast

Embedded Lending Market Size and Forecast

Embedded Loans by Consumer Segments, 2020 – 2029

  • Business loans

  • Retail Loan

Integrated loans by B2B sectors, 2020 – 2029

  • Retail and consumer goods integrated lending

  • Loans embedded in IT and software services

  • Integrated loans in media, entertainment and leisure

  • Loans integrated into manufacturing and distribution

  • Loans integrated into real estate

  • Loans included in Other

Integrated loans by B2C sectors, 2020 – 2029

  • Retail Integrated Lending

  • Integrated Home Improvement Loans

  • Loans integrated into leisure and entertainment

  • Loans integrated into health care and well-being

  • Loans included in Other

Integrated Insurance Market Size and Forecast

Integrated insurance by industry, 2020 – 2029

  • Insurance embedded in consumer products

  • Integrated travel and hospitality insurance

  • Integrated car insurance

  • Insurance integrated into health care

  • Integrated insurance in real estate

  • Integrated transport and logistics insurance

  • Insurance integrated into other

Integrated insurance by type of insurance, 2020 – 2029

  • Insurance integrated into the life segment

  • Insurance integrated into the non-life segment

Integrated insurance by type of offer, 2020 – 2029

  • Insurance integrated into the product segment

  • Integrated insurance in the services segment

In-App Payments Market Size and Forecast

Integrated payment by consumer segments, 2020 – 2029

Integrated payment by end-use sector, 2020 – 2029

  • Integrated payment in retail and consumer goods

  • Integrated payment in digital products and services

  • Payment integrated into utility bill payment

  • Integrated Payment in Travel and Hospitality

  • Integrated payment in leisure and entertainment

  • Integrated payment in health and well-being

  • Integrated payment in office supplies and equipment

  • Embedded payment in Other

Integrated Wealth Management Market Size and Forecast

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