The study involved 515 senior leaders from US companies. The results show that almost every business currently provides at least one embedded finance feature, with 93% offering three or more such capabilities.
Regarding implementation, 69% of firms utilize at least one third-party provider, while 31% manage all financial functions in-house. When choosing partners, 88% of respondents prioritize trust and alignment with business goals, followed by technology and customization at 76%.
Security and compliance are key factors for 63% of the participants, while value and pricing are less critical, ranking at 41%. Companies primarily measure success through financial performance (86%) and customer growth (75%), whereas cost efficiency is cited by only 33%.
Despite 93% of companies reporting friction with the financial tools integrated into their platforms, 93% remain highly satisfied with these capabilities. Consequently, 94% of firms plan to increase their investments in this area over the next three years.
