Embedded Finance Drives Software Publishing Innovation

<!DOCTYPE html> <html lang="en-US"> <head> <title>Embedded Finance Drives Software Publishing 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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border: none; margin-top: 1rem; font-size: 1rem !important; border: 1px solid gray; } .wpcf7-response-output{ border: none !important; margin: 2em 0 1em !important; padding: 0 !important; } </style> <script>const postType = 'default'; </script> <div class="container my-5 article-post" id="singleContainer"> <div class="row " id="articlePost"> <div class="col-12 col-lg-8 ms-auto mb-4" id="insertArticle"> <h1 class="mb-4 text-center text-dark fw-bold display-6"> Report: Embedded Finance Turns Eyeballs Into Revenue for Software Publishing Platforms </h1> <div class="post-info-right left relative article-author-box mb-2"> <div class="post-info-name"> <div class="row"> <div class="col-6 my-auto"> <span class="post-info-text small muted text-uppercase">By</span> <span class="author-name vcard fn small muted text-uppercase fw-bold" itemprop="author"> <a href="https://www.pymnts.com/author/pymnts/" title="Posts by PYMNTS" rel="author">PYMNTS</a> </span> <span class="small muted d-none d-md-inline"> | </span> <span class="small muted text-uppercase d-block d-md-inline">December 3, 2024</span> </div> <div class="col-6 text-end my-auto">  <a href="https://www.facebook.com/sharer.php?u=https://www.pymnts.com/news/ecommerce/2024/report-embedded-finance-turns-eyeballs-into-revenue-for-software-publishing-platforms/&t=Report%3A+Embedded+Finance+Turns+Eyeballs+Into+Revenue+for+Software+Publishing+Platforms" title="Share on Facebook"><i class="bi bi-facebook me-1 text-dark"></i></a><a href="https://twitter.com/share?text=Report%3A+Embedded+Finance+Turns+Eyeballs+Into+Revenue+for+Software+Publishing+Platforms -&url=https://www.pymnts.com/news/ecommerce/2024/report-embedded-finance-turns-eyeballs-into-revenue-for-software-publishing-platforms/" title="Tweet This Post"><i class="bi bi-twitter-x mx-1 mx-1 text-dark"></i></a><a href="https://www.linkedin.com/shareArticle?mini=true&url=https://www.pymnts.com/news/ecommerce/2024/report-embedded-finance-turns-eyeballs-into-revenue-for-software-publishing-platforms/&title=Report%3A+Embedded+Finance+Turns+Eyeballs+Into+Revenue+for+Software+Publishing+Platforms&summary=&source=" title="Share on LinkedIn"><i class="bi bi-linkedin mx-1 mx-1 text-dark"></i></a><a href="mailto:?subject=Report: Embedded Finance Turns Eyeballs Into Revenue for Software Publishing Platforms&BODY=I found this article interesting and want to share it with you. Check it out: https://www.pymnts.com/news/ecommerce/2024/report-embedded-finance-turns-eyeballs-into-revenue-for-software-publishing-platforms/"><i class="bi bi-envelope-fill ms-1 me-0 ms-1 me-md-1 text-dark"></i></a> <span class="d-none d-md-inline"> | </span> <span class="d-block d-md-inline"> <button class="d-none d-lg-inline-block noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"> <i class="bi bi-play-circle-fill mx-1 text-dark"></i></button> <button class="d-lg-none noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"><span class="listenToArticle small text-uppercase"></span><i class="bi bi-play-circle-fill text-dark mx-1"></i></button> <button class="noHover audioPause border-0 px-0 article-pause-button py-1 my-0"><i class="bi bi-pause-circle-fill text-dark mx-0"></i></button> </span> </div></div> </div> </div> <div id="post-feat-img" class="left relative mb-3"> <img class="py-desktop w-100 h-auto pymnts-featured-sm-image " width="1000" height="600" alt="The attention economy is in full swing, and keeping consumers on your platform is key. That’s where embedded finance steps in." src="https://www.pymnts.com/wp-content/uploads/2024/12/embedded-finance-software-publishing.jpg?w=768" /> </div> <div class="post-feat-text"> </div>  <div id="pymnts-content2300871" class="single lh-article mt-1 lnk-article"> <p>Embedded finance is no longer optional. As competition intensifies, firms that embrace these innovations will lead the way, while those that hesitate risk falling behind.</p> <p>From buy now, pay later (BNPL) to business credit cards, embedded finance offerings are reshaping how payment facilitators (PayFacs), independent software vendors (ISVs) and marketplaces in the software publishing sector operate. Innovating and enhancing these features is crucial to unlocking new growth opportunities.</p> <p>For many PayFacs, ISVs and marketplaces in the software publishing sector, enhancing embedded finance features may take two to five years. In fact, PYMNTS Intelligence data reveals stark differences in how these firms approach these features. While PayFacs and marketplaces are rapidly adopting tools like BNPL and merchant lending, ISVs are taking a more measured approach, prioritizing loyalty and rewards programs. Data also shows that digital wallet acceptance has become a must-have feature in the software publishing arena.</p> <h3>The December report reveals what PayFacs, ISVs and marketplaces need to know about embedded finance:</h3> <ul> <li style="list-style-type: none;"> <ul> <li>How PayFacs, ISVs and marketplaces are aligning strategies for revenue growth, customer retention and market expansion</li> <li>Which features PayFacs, ISVs and marketplaces are prioritizing</li> <li>How this feature helps PayFacs, ISVs and marketplaces strengthen their value propositions and stand out in a crowded marketplace</li> <li>How PayFacs, ISVs and marketplaces are tailoring tools to meet the evolving demands of their diverse customer bases</li> </ul> </li> </ul> <div class="my-5"><style> .free-download-sec { width: 100%; font-family: "Roboto", sans-serif; } .free-download-sec .inner { background: rgb(35, 36, 150); background: linear-gradient(129deg, rgba(35, 36, 150, 1) 0%, rgba(14, 14, 49, 1) 87%); padding: 20px; 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Five charts of insightful data explore the not-to-be-missed opportunity for PayFacs, ISVs and marketplaces.</p> <h3>About the Report</h3> <p>“<strong>How Embedded Finance Drives Software Publishing Platform Innovation</strong>,” a <strong>PYMNTS Intelligence</strong> and <a href="http://carat.fiserv.com" target="_blank" rel="noopener"><strong>Carat from Fiserv</strong></a> collaboration, is based on a survey of 79 executives from PayFacs, ISVs and marketplaces in the software publishing sector. The report examines the sentiments and behaviors of these PayFacs, ISVs and marketplaces regarding embedded finance innovation. 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ply-chain\/2024\/santander-and-pemberton-launch-supply-chain-solution-invensa\/","https:\/\/www.pymnts.com\/blockchain\/2024\/compliance-divides-stablecoin-market-why-cfos-and-treasury-teams-should-care\/","https:\/\/www.pymnts.com\/legal\/2024\/judge-denies-american-express-motion-to-dismiss-federal-antitrust-lawsuit\/","https:\/\/www.pymnts.com\/news\/retail\/2024\/uk-retailers-see-bad-start-to-the-festive-season\/","https:\/\/www.pymnts.com\/bnpl\/2024\/bnpl-provider-affirm-adds-8-merchant-partnerships\/","https:\/\/www.pymnts.com\/apple\/2024\/apples-developer-fees-face-995-million-uk-legal-challenge\/","https:\/\/www.pymnts.com\/news\/ipo\/2024\/fca-chief-appears-to-pave-way-for-shein-uk-ipo\/","https:\/\/www.pymnts.com\/news\/ecommerce\/2024\/report-embedded-finance-turns-eyeballs-into-revenue-for-software-publishing-platforms\/","https:\/\/www.pymnts.com\/smbs\/2024\/data-driven-funding-fuels-restaurant-growth-and-fills-tables\/","https:\/\/www.pymnts.com\/fraud-prevention\/2024\/71-percent-of-financial-institutions-turn-to-ai-to-fight-faster-payments-fraud\/","https:\/\/www.pymnts.com\/data\/2024\/trapped-payments-data-becomes-retails-hidden-gold-mine\/","https:\/\/www.pymnts.com\/news\/retail\/2024\/discount-retailers-dollar-stores-may-show-both-consumer-spending-and-pulling-back\/","https:\/\/www.pymnts.com\/acquisitions\/2024\/corpay-expands-corporate-payments-business-with-acquisition-of-gps\/","https:\/\/www.pymnts.com\/healthcare\/2024\/fsa-store-adds-deadline-tool-to-help-consumers-use-fsa-funds\/","https:\/\/www.pymnts.com\/news\/investment-tracker\/2024\/9fin-raises-50-million-for-ai-powered-analytics-platform-for-debt-capital-markets\/","https:\/\/www.pymnts.com\/news\/banking\/2024\/occ-rates-3-financial-institutions-outstanding-in-cra-performance-evaluations\/","https:\/\/www.pymnts.com\/news\/b2b-payments\/2024\/construction-sectors-digital-makeover-includes-easier-working-capital-access\/","https:\/\/www.pymnts.com\/amazon\/2024\/amazon-debuts-aws-data-transfer-terminals-for-faster-cloud-uploads\/","https:\/\/www.pymnts.com\/news\/regulation\/2024\/ftc-orders-goat-to-pay-2-million-alleging-shipping-violations\/","https:\/\/www.pymnts.com\/news\/b2b-payments\/2024\/treasurers-step-into-spotlight-as-strategic-backbone-of-21st-century-businesses\/","https:\/\/www.pymnts.com\/retail-2\/2024\/brands-retailers-turn-to-experiential-retail-to-woo-consumers\/","https:\/\/www.pymnts.com\/artificial-intelligence-2\/2024\/browser-company-heralds-arrival-of-ai-centric-browser-dia\/","https:\/\/www.pymnts.com\/artificial-intelligence-2\/2024\/cooperating-ai-agents-could-redefine-how-we-shop-and-sell\/","https:\/\/www.pymnts.com\/artificial-intelligence-2\/2024\/hfsc-leaders-seek-federal-study-of-ais-impact-on-financial-services\/","https:\/\/www.pymnts.com\/consumer-payments-2\/2024\/clearing-house-settles-record-2-6-trillion-in-black-friday-payments\/","https:\/\/www.pymnts.com\/bank-regulation\/2024\/suit-against-synapse-partner-banks-spotlights-risks-of-commingled-funds\/","https:\/\/www.pymnts.com\/cryptocurrency\/2024\/brazil-considers-banning-stablecoin-withdrawals-to-self-custodial-wallets\/","https:\/\/www.pymnts.com\/cryptocurrency\/2024\/orbital-debuts-dashboard-to-track-stablecoin-payment-trends\/","https:\/\/www.pymnts.com\/cryptocurrency\/2024\/coinbase-integrates-apple-pay-into-crypto-onboarding-solution\/","https:\/\/www.pymnts.com\/news\/banking\/2024\/crypto-and-fintech-cry-foul-over-debanking-could-real-issue-lie-in-risk\/","https:\/\/www.pymnts.com\/cryptocurrency\/2024\/bitgo-debuts-platform-for-retail-cryptocurrency-customers\/","https:\/\/www.pymnts.com\/acquisitions\/2024\/deel-bolsters-payment-infrastructure-in-europe-with-atlantic-money-acquisition\/","https:\/\/www.pymnts.com\/news\/social-commerce\/2024\/tiktok-woos-amazon-sellers-in-spite-of-us-ban-threat\/","https:\/\/www.pymnts.com\/bank-regulation\/2024\/monetary-authority-of-singapore-fines-jpmorgan-over-inaccurate-disclosures\/","https:\/\/www.pymnts.com\/news\/investment-tracker\/2024\/nvida-helps-cloud-group-nebius-raise-700-million\/","https:\/\/www.pymnts.com\/bnpl\/2024\/pymnts-data-bnpl-faces-headwinds-in-brick-and-mortar-settings\/","https:\/\/www.pymnts.com\/partnerships\/2024\/mesh-and-mri-partner-on-spend-management-for-real-estate-companies\/","https:\/\/www.pymnts.com\/artificial-intelligence-2\/2024\/ai-explained-the-fine-art-of-ai-optimization\/","https:\/\/www.pymnts.com\/cybersecurity\/2024\/staying-safe-from-ais-surging-enterprise-threat-this-cyber-monday\/","https:\/\/www.pymnts.com\/news\/security-and-risk\/2024\/revolut-facing-wave-of-complaints-over-app-fraud-claims\/","https:\/\/www.pymnts.com\/artificial-intelligence-2\/2024\/aws-ceo-companies-zero-in-on-most-valuable-ai-applications\/","https:\/\/www.pymnts.com\/news\/investment-tracker\/2024\/nvidia-challenger-tenstorrent-gets-700-million-to-bolster-ai-tech\/","https:\/\/www.pymnts.com\/consumer-insights\/2024\/44percent-of-uk-consumers-plan-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pathTitles.push({ path: location.pathname, title: Q('h1').innerText }); triggerPageView(curPath); loadNextArticle(true); } function handleScrolling() { //console.log('handleScrolling', curArticle, curPath); let curArticleBox = null; let curArticleId = null; if (curArticle) { curArticleId = curArticle.getAttribute('id'); //console.log('curArticleId', curArticleId); curArticleBox = curArticle.getBoundingClientRect(); //console.log('curArticle box', window.innerHeight, curArticleBox) if (curArticleBox.y <= window.innerHeight) { console.group(); console.log('handleScrolling have curArticle'); document.title = curTitle; const state = { 'page_id': 1, 'user_id': 5 } history.replaceState(state, '', curPath); const urlInfo = curArticle.getAttribute('urlinfo'); console.log('curArticle urlInfo', urlInfo); let test = partialsAlreadyLoaded.indexOf(urlInfo); console.log('test', test, partialsAlreadyLoaded.length); ++test; if (test && test === partialsAlreadyLoaded.length) { curArticle = null; loadNextArticle(); 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console.log('curPath', curPath); } else { showingArticle = `article-number-${num - 1}`; console.log('showingArticle', showingArticle); curArticle = I(`article-number-${num}`); console.log('curArticle', curArticle); curPath = curArticle.getAttribute('urlinfo'); console.log('curPath', curPath); const urlInfo = I(showingArticle).getAttribute('urlinfo'); console.log('urlinfo', urlInfo); const url = new URL(urlInfo); triggerPageView(url.pathname, true); const state = { 'page_id': 1, 'user_id': 5 } history.replaceState(state, '', urlInfo); } } } let singleContainer = I('singleContainer').getBoundingClientRect(); if (sidebarWrap) { sidebarRect = sidebarWrap.getBoundingClientRect(); sidebarTop = sidebarRect.y; sidebarBottom = sidebarRect.y + sidebarRect.height; if (sidebarFreezeTrigger && window.scrollY < sidebarFreezeTrigger) { sidebarFreezeTrigger = null; sidebarWrap.style.position = 'static'; sidebarWrap.style.bottom = 'auto'; } else if (sidebarBottom <= window.innerHeight) { if(sidebarWrap.style.position !== 'fixed') { sidebarWrap.style.position = 'fixed'; sidebarWrap.style.bottom = '0px'; sidebarWrap.style.width = `${(singleContainer.width * .25) - 24}px`; sidebarFreezeTrigger = window.scrollY; } } } } function handleVideoResizing() { console.log('videoResize'); if (subscribeIsShown) setVideoSubscribeLocation(); } document.addEventListener('fullscreenchange', handleVideoResizing, false); document.addEventListener('mozfullscreenchange', handleVideoResizing, false); document.addEventListener('MSFullscreenChange', handleVideoResizing, false); document.addEventListener('webkitfullscreenchange', handleVideoResizing, false); function pageIsResized() { if (subscribeIsShown) setVideoSubscribeLocation(); let sidebarContainer = I('sidebar-container'); if(!sidebarContainer) return; let size = 'xxl'; if(window.innerWidth < 576) size = 'xs'; else if(window.innerWidth < 768) size = 'md'; else if(window.innerWidth < 992) size = 'lg'; else if(window.innerWidth < 1200) size = 'xl'; else size = 'xxl'; console.log(size); switch(size) { case 'xs': case 'md': sidebarContainer.classList.remove('d-lg-block'); 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