How Embedded Finance Drives Retail Platform Innovation

<!DOCTYPE html> <html lang="en-US"> <head> <title>How Embedded Finance Drives Retail Platform Innovation</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <meta http-equiv="X-UA-Compatible" content="ie=edge" /> <meta name="google-site-verification" content="ywo6cX-b4noB6WSEkiQRbhTNBsV3oDtuR2vuG7rh8Xs" /> <meta name="msapplication-TileImage" content="https://www.pymnts.com/wp-content/uploads/2022/08/favicon-270.jpg" /> <link rel="shortcut icon" href="https://www.pymnts.com/wp-content/uploads/2022/08/favicon-32x32-1.png" sizes="32x32" /> <link rel="shortcut icon" href="https://www.pymnts.com/wp-content/uploads/2022/08/android-chrome-192x192-1.png" sizes="192x192" /> <link rel="apple-touch-icon-precomposed" href="https://www.pymnts.com/wp-content/uploads/2022/08/favicon-180.jpg" /> <script src="https://www.google.com/recaptcha/api.js?render=6Le36I4kAAAAAMCdrtj4Jb9rq43eln5c4Zt33TLI"></script> <link rel="alternate" type="application/rss+xml" title="RSS 2.0" href="https://www.pymnts.com/feed/" /> <link rel="alternate" type="text/xml" title="RSS .92" href="https://www.pymnts.com/feed/rss/" /> <link rel="alternate" type="application/atom+xml" title="Atom 0.3" href="https://www.pymnts.com/feed/atom/" /> <link rel="pingback" href="https://www.pymnts.com/xmlrpc.php" /> <link rel="dns-prefetch" href="https://www.google.com"> <link rel="dns-prefetch" href="https://stats.g.doubleclick.net"> <link rel="dns-prefetch" href="https://googleads.g.doubleclick.net"> <link rel="dns-prefetch" href="https://fonts.gstatic.com"> <link rel="dns-prefetch" href="https://www.google-analytics.com"> <link rel="preload" as="script" href="/wp-content/themes/flex-mag-sixspoke/2022/js/bootstrap.bundle.min.js" /> <link rel="preload" href="/wp-content/themes/flex-mag-sixspoke/2020/bootstrap-icons.css" as="style" onload="this.onload=null;this.rel='stylesheet'"> </script> <link rel="preload" as="script" href="https://ak.sail-horizon.com/spm/spm.v1.min.js?ver=5.5.10" /> <script src='https://ak.sail-horizon.com/spm/spm.v1.min.js?ver=5.5.10' type='text/javascript' async></script> <script type="text/javascript" src="https://www.pymnts.com/wp-content/themes/flex-mag-sixspoke/2022/js/bootstrap.bundle.min.js"></script> <link rel="stylesheet" href="/wp-content/themes/flex-mag-sixspoke/2022/2022-style.css?92"> <link rel="stylesheet" href="/wp-content/themes/flex-mag-sixspoke/2020/bootstrap-icons.css"> <link rel="preconnect" href="https://fonts.googleapis.com"> <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> <link href="https://fonts.googleapis.com/css2?family=Roboto:wght@300;400;500;700&display=swap" rel="stylesheet">  <script> if ('serviceWorker' in navigator) { navigator.serviceWorker.getRegistrations().then(function(registrations) { for (let registration of registrations) { registration.unregister() } }).catch(function(err) { console.log('Service Worker registration failed: ', err); }); } </script> </script> <noscript>  <style> .lazyload { display: none; } </style> </noscript> <script> // ST vendor var tag = { "options": { "customerId": "067919d33ae6486b1e5a249a7b40663c" } }; window.addEventListener("load", function() { console.info("ST loaded"); if (tag.isCustom) { jQuery(function($) { Sailthru.init({ customerId: tag.options.customerId, isCustom: true, autoTrackPageview: tag.options.autoTrackPageview, useStoredTags: tag.options.useStoredTags, excludeContent: tag.options.excludeContent, }); }); } else { Sailthru.init({ customerId: tag.options.customerId }); } }); var deferredLoadImages = () => {} /*! 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.wpcf7-list-item { margin:0px; } </style> <div class="main bg-white mb-5"> <div class="container-fluid color-gradient pt-5 pb-0 pb-md-5"> <div class="container pt-3 pb-0 py-lg-3"> <div class="row gx-0 gx-md-5"> <div class="col-12 col-md-3 text-center text-md-start py-3 py-md-0"> <img src="https://www.pymnts.com/wp-content/uploads/2024/11/Fiserv-Embedded-Finance-Drives-Retail-Platform-Innovation-November-2024-Cover.jpg?w=768" data-src="https://www.pymnts.com/wp-content/uploads/2024/11/Fiserv-Embedded-Finance-Drives-Retail-Platform-Innovation-November-2024-Cover.jpg?w=768" class="img-fluid shadow ls-is-cached lazyloaded border repThumb" style="max-height:350px;"> </div> <div class="col-12 col-md-9 my-auto report-desc ps-0 ps-md-5 py-5 py-md-0"> <p class="fs-3 fw-bold text-white">Loyalty Programs, BNPL Are Top Embedded Finance Innovation Priorities at Retail</p> <h1>How Embedded Finance Drives Retail Platform Innovation</h1> <div class="fs-4 text-white"> <p style="font-weight: 400;">PayFacs, ISVs and marketplaces in the retail space are making embedded finance offerings central to their innovation agendas for the next two to five years. These efforts aim for improved convenience, seamless payment experiences and higher conversions. PYMNTS Intelligence’s latest report,<em> “</em><strong>How Embedded Finance Drives Retail Platform Innovation</strong>,” a collaboration with <a href="http://carat.fiserv.com" target="_blank" rel="noopener"><strong>Fiserv</strong></a>, is based on a survey of 280 executives and explores why these are the must-have features.</p> </div> </div> </div> </div> </div> <div class="container-fluid py-5"> <div class="container"> <div class="row mb-3"> <div class="col-12 col-lg-6 pe-lg-5 pt-5 pt-lg-3 report-facts order-2 order-lg-1"> <div class="fs-5"> <h6 class="border-bottom w-100 fs-5 fw-bold border-light border-3">Inside the November Data Brief</h6> <ul> <li><strong>58%</strong>: Share of marketplaces in the retail sector that plan to expand or start offering embedded finance products in two to five years</li> <li><strong>60%</strong>: Share of PayFacs that are highly interested in expanding or enhancing loyalty rewards for their embedded finance offerings</li> <li><strong>86%</strong>: 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How Embedded Finance Drives Retail Platform Innovation