FinTech & Digital Payments
VMR-FT-2024-004
Published September 2024
Embedded Finance & BaaS: The Infrastructure Layer Reshaping Financial Services
Platform economics, regulatory arbitrage, and the unbundling of banking infrastructure.
290 pages
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Executive Abstract
Analyzes 45 embedded finance platforms across lending, payments, and insurance. Features proprietary unit economics models and regulatory risk heat maps across 18 jurisdictions.
Research Methodology
Analysis of 45 platforms with proprietary unit economics modeling. Regulatory mapping across 18 jurisdictions. Primary interviews with 34 platform CEOs and banking partners.
Table of Contents
01
Executive Summary
Preview
02
Platform Economics Deep Dive
Preview
03
Lending Infrastructure
04
Payments Rails Analysis
05
Insurance Embedded Models
06
Regulatory Heat Map (18 Jurisdictions)
07
Unit Economics Models
08
Appendix
Lead Analyst
DR
Dr. Rajesh Patel
Former Head of Strategy at Stripe. PhD Economics, LSE. Published in Journal of Financial Economics.
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