Core Insights - 94% of enterprises plan to increase investments in embedded finance, with 75% intending to do so within the next 12 months [1][3] - Companies are focusing on enhancing banking (80%) and payments (72%) capabilities, along with new payroll (61%) and investing (57%) features [1][3] Investment Trends - Embedded finance is becoming a strategic priority across various industries, with 76% of companies expecting to upgrade capabilities in the next year [3] - The primary motivations for embedding finance include strengthening customer relationships (45%), improving user experience (38%), and enhancing brand differentiation (35%) [4] Risk and Satisfaction - 93% of companies acknowledge risks associated with embedded finance, including transparency concerns (42%), technical challenges (40%), and compliance issues (39%), yet 93% report high satisfaction with their capabilities [5] - Regulation is perceived as a lesser concern, with 39% believing it may negatively impact the industry, while 57% think increased regulation will have no adverse effects [6] Partnership Dynamics - Trust and alignment (88%) are the most critical factors for companies when selecting partners for embedded finance, followed by technology compatibility (76%) and security (63%) [7] - Nearly 70% of companies outsource the delivery of embedded finance solutions [7] Future Outlook - The continued increase in investments in embedded finance is seen as a way to drive deeper engagement and unlock new opportunities for businesses and customers [8]