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Embedded B2B Payments: Unlocking the $16 Trillion Opportunity with a 5 Step Action Plan
Edgar， Dunn & Company·2025-03-08 00:20

Investment Rating - The report indicates a bullish outlook for embedded B2B payments, projecting significant growth and adoption in the coming years, with a market size expected to reach 16trillionby2030[6][22].CoreInsights−EmbeddedB2Bpaymentsaredefinedastheintegrationofpaymentfunctionalitiesintoexistingnon−financialplatforms,enhancingtheefficiencyandintuitivenessofB2Btransactions[10][11].−ThereporthighlightstheclearvalueofembeddedpaymentsintheB2Bspace,emphasizingbenefitssuchasreal−timereconciliation,integratedpaymentsystems,efficientapprovalworkflows,andenhancedsecurity[14][15].−TheembeddedB2Bpaymentsmarketisprojectedtogrowfrom16 trillion by 2030 [6][22]. Core Insights - Embedded B2B payments are defined as the integration of payment functionalities into existing non-financial platforms, enhancing the efficiency and intuitiveness of B2B transactions [10][11]. - The report highlights the clear value of embedded payments in the B2B space, emphasizing benefits such as real-time reconciliation, integrated payment systems, efficient approval workflows, and enhanced security [14][15]. - The embedded B2B payments market is projected to grow from 4.1 trillion in 2024 to 15.6trillionby2030,reflectingacompoundannualgrowthrate(CAGR)of2515.6 trillion by 2030, reflecting a compound annual growth rate (CAGR) of 25% [17][22]. Summary by Sections Introduction - The report introduces the concept of embedded payments, noting their rapid adoption in consumer services and the growing momentum in the B2B sector, with a projected market size of 16 trillion by 2030 [6][4]. What are Embedded B2B Payments? - Embedded B2B payments aim to streamline the payment process by integrating payment capabilities directly into business systems, eliminating the need for users to switch between different platforms [10][11]. Value of Embedded Payments in B2B - Key advantages of embedded payments include automated reconciliation, increased internal efficiency, reduced errors, faster approval workflows, and enhanced security against fraud [14][15]. B2B Embedded Payments Opportunity - The report outlines the strong growth potential in the embedded B2B payments market, driven by technological advancements, digitalization of B2B processes, and the expansion of B2B e-commerce [22][23]. B2B Embedded Payments Value Chain - The value chain consists of various specialized participants, including regulated entities, payment service enablers, and technology platforms, all contributing to the embedded payment ecosystem [26][30]. Technology Platforms Using Embedded Payments - Several technology platforms, including SAP and Microsoft Dynamics 365, are already leveraging embedded payment solutions to enhance transaction processing and streamline workflows [36][39]. Strategic Considerations for Embedding Payments - The report identifies key hurdles for technology platforms, such as security concerns, internal policy resistance, and the need for clear ROI analysis to drive adoption of embedded payment solutions [44][45]. 5 Step Action Plan - A structured action plan is provided for technology platforms to implement embedded payments, including assessing payment needs, developing a business case, evaluating partners, creating a go-to-market strategy, and planning for implementation [51][54].