Summary

Report Description

According to PayNXT360’s Q4 2021 Embedded Finance Survey, Embedded Lending industry in the region is expected to grow by 39.2% on annual basis to reach US$27,284.1 million in 2022.

The embedded lending industry is expected to grow steadily over the forecast period, recording a CAGR of 26.2% during 2022-2029. The embedded lending revenues in the region will increase from US$27,284.1 million in 2022 to reach US$99,842.6 million by 2029.

• The Asia Pacific is home to the leading embedded lending providers in the world. The region has been and continues to be a hotspot for some of the most advanced FinTech markets globally.
• Furthermore, the growing number of technological advancements by FinTechs has made the Asia Pacific region a world leader in fintech innovations.
• Countries such as Australia, India, China, Singapore, Indonesia, and Malaysia recorded strong demand growth for embedded lending options in the previous four to eight quarters. The presence of a large young population in the region is primarily driving the demand and market growth.
• The Chinese embedded lending market has emerged as the most dominant market in Asia-Pacific. The massive growth in e-commerce sales and the continuously growing popularity of embedded lending options are crucial factors for attracting investments in the country. Additionally, with the growing efforts of the Chinese government to push the online credit market, colossal growth is anticipated in the country. PayNXT360 expects that the increased market attractiveness of online credit is likely to attract global companies in the Chinese embedded lending market in the next four to six quarters.
• India is another country, where the embedded lending market is anticipated to witness an explosive growth. The higher purchasing power offered by embedded lending in coronavirus pandemic times is driving the sector's growth. However, the simplicity and ease of accessing credit are the primary driving factors behind the rise of the embedded lending market in India.
• PayNXT360 expects that with the rising demand for embedded lending, the region is likely to attract more investment in the short to medium-term perspective.

BNPL providers are combining their expertise to expand their footprint in the Malaysian market

The retail sector is under immense stress due to the extension of movement control order (MCO) in Malaysia. To alleviate these stress levels and drive recovery back in the retail sector, BNPL providers are joining forces in the country. For instance,
• In July 2021, Indian financing and last-mile retail transaction technology provider Pine Labs and Singapore-based BNPL provider Atome entered into a strategic partnership. The partnership is expected to accelerate Malaysian's BNPL acceptance and last-mile retail transaction technology.
• Moreover, with this strategic partnership with Atome, Pine Labs has opened its BNPL service to newer categories.
• On the other hand, through a partnership with Pine Labs, Atome is focusing on enabling a smoother, quicker, and more seamless payment experience for Malaysian consumers across thousands of Point-of-sale checkouts in the country.

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. Asia Pacific
2. Australia
3. Bangladesh
4. China
5. India
6. Indonesia
7. Japan
8. Malaysia
9. South Korea
10. Philippines
11. Singapore
12. Taiwan
13. Thailand
14. Vietnam

Scope

This report provides regional insights, along with an in-depth data centric analysis of the Embedded Lending industry in the Asia Pacific, covering 50+ KPIs for each region and country (250+ charts and 190+ 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:

Figure 1: PayNXT360’s Methodology Framework
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 1: 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

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.

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