fintech digest
UK BNPL Opportunities 2025, Embedded Finance Changing the World, The Big Role for Private Credit and More
Research Team
14 February 2025
How Embedded Finance Is Transforming the World of Consumer Banking
Embedded finance is growing fast, with the global market projected to increase from $22.5 billion in 2020 to $384 billion by 2029, according to KBV Research. This growth will change how people shop, pay, and interact with financial products in their daily lives.
But what exactly is embedded finance? It’s the seamless integration of financial services into non-financial platforms, allowing people to complete tasks such as making payments or accessing credit directly within applications they already use.
Crypto Market in February 2025: Stability or Storm?
The cryptocurrency market in early February 2025 presents a complex picture. While some indicators suggest a period of relative stability, a closer examination reveals underlying currents of volatility and potential for significant price movements. This article will delve into the conflicting signals, analyze the performance of key cryptocurrencies, and explore the factors that contribute to the current market dynamics.
UK Buy Now Pay Later Business and Investment Opportunities Report 2025
As competition intensifies, fintech startups and traditional banks will refine their BNPL offerings to capture market share. Established players may leverage strategic partnerships with retailers and payment processors to expand their reach, while new entrants will seek to differentiate through innovative product features and personalized financing options. Regulatory oversight is also expected to shape the industry, ensuring responsible lending practices and fostering long-term consumer trust in BNPL services.
Wealth Fund Investments in Private Equity, Credit Markets Set to Grow in 2025
The influence of state-owned investors (SOIs) in private equity and credit markets is poised to grow in 2025, reflecting a transformation in global investment strategies.
Though not a new phenomenon, research consultancy Global SWF said Abu Dhabi funds are leading this trend after the onset of the pandemic.
Over the past four years, ADIA has acquired stakes in Corient, in Fisher Investments (with Lunate), and in Hargreaves Lansdown. ADQ has invested in Sagard and in Plenary Group, while Mubadala has acquired stakes in Corient’s parent company CI Financial, as well as in Silver Lake, Fortress, and Silver Rock.
The Big New Role for Private Credit
As we confront the need for huge capital expenditure for data centres, energy and the reshoring of industry to domestic markets, the open question is: who is going to finance it?
Freshly emboldened US banks look set to take some of the opportunities under the more benign regulatory backdrop of the new administration in Washington. The sector’s share price gains since the US election suggest investors expect there will be more leeway in general to deploy capital more profitably. Morgan Stanley estimates that if the so-called Basel III global rules for banks are implemented in the US in a “capital neutral” way — that is with no net increase in capital demands — it could free up more than $86bn of capital for the top 12 banks for financings or buybacks.