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Funding and advertised pay are reported in USD; filed accounts retain their stated source currency and basis.

Exchange-rate basis

Indicative conversions use ECB reference rates dated 2026-09-14, applied consistently across all periods. They are not historical exchange rates. Indian rupees may use crore (1 crore = 10 million); other currencies use K, M and B. CSV downloads, source documents and quoted news headlines retain their original currencies.

THE THE UNITED KINGDOM EDITION 2026

the United Kingdom’s
embedded finance industry,
in focus.

The companies, capital and talent shaping embedded finance in the United Kingdom. Find the leaders. Understand the segments. See where the activity is.

Explore in Radar Read the key signals
Snapshot: Funding in USD
Illustrated cover for Embedded Finance Industry Landscape of the United Kingdom
GB
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Embedded Finance illustration
Companies tracked 331Embedded Finance ecosystem in the United Kingdom Disclosed funding $11.23B125 companies · all recorded rounds Companies hiring 13With open roles at the snapshot Tracked open roles 301 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore the United Kingdom’s embedded finance leaders

24 featured companies from the funding, hiring, revenue and team-size leaderboards.

Expand panel +
Explore the full landscape
Embedded Finance company highlights in the United Kingdom, snapshot 3 September 2026
Company
Finastrafinastra.com$5.3B11 roles1,890Financial figure available in RadarView in Radar
Zilch$733.75M———
ClearBankclear.bank$554.86M—238Financial figure available in RadarView in Radar
DivideBuydividebuy.co.uk$504.18M—56—
Oakbrookoakbrook.com$360.09M—114—
TrueLayertruelayer.com$322.5M—372$594.96KFYFY2024 filing
Moniepointmoniepoint.com$255.5M—1,000—
Colendicolendi.com$247.5M—111—
BANFICObanfico.com—3 roles7—
BTSEbtse.com—2 roles258—
Heron Dataherondata.io—2 roles13—
Onmoonmo.app—2 roles2—
SmartStreamsmartstream-stp.com—2 roles153—
Xybxyb.co—2 roles—Financial figure available in RadarView in Radar
Seopaseopa.com—1 roles58Financial figure available in RadarView in Radar
Avanti Travel Insuranceavantitravelinsurance.co.uk————
Bumperbumper.co——38—
ClearCourseclearcourse.co.uk——900—
Clearpayclearpay.co.uk——60—
Icon Solutionsiconsolutions.com——2—
Lenvilenvi.com——138—
Moneyhubmoneyhub.com——124—
Open Bankingopenbanking.org.uk——6Financial figure available in RadarView in Radar
Sourcethesource.co.uk——70$17.06MFYFY2024 filing
24 featured companies

Locked revenue figures are available in Radar; the eight company financial previews stay the same throughout this page. A dash means the figure is outside these featured lists. Revenue years vary by company; the figures are not a like-for-like revenue comparison. Compare annual accounts ↗

Company discovery

Recorded evidence only
THE KEY SIGNALS

Embedded Finance industry KPIs in the United Kingdom

A few useful ratios bring the size of this ecosystem into perspective.

3 September 2026
Hiring participation3.9%

13 of 331 tracked companies have open roles.

Funding participation40.8%

135 of 331 tracked companies have a recorded round.

Top 3 funding share58.7%

Share of disclosed capital received by the three largest recorded recipients.

Median disclosed round$3.6M

Midpoint of 313 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 58.7% of disclosed capital, while 59.2% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How the United Kingdom embedded finance has grown

Recorded company formation and disclosed funding across the complete annual series shown.

Expand panel +
2016 — 2025

Disclosed funding by year

Sum of recorded funding rounds · USD

the United Kingdom embedded finance
$0$1.57B$3.14B$4.72B$6.29B2016: $76.41M20162017: $112.97M20172018: $152.42M20182019: $423.12M20192020: $501.51M20202021: $1.57B20212022: $1.43B20222023: $5.52B20232024: $577.93M20242025: $703.17M2025
View the numbers
Annual embedded finance funding and company formation in the United Kingdom
YearFunding (USD)FoundedRaising
2016$76.41M219
2017$112.97M3018
2018$152.42M3014
2019$423.12M3129
2020$501.51M3434
2021$1.57B2747
2022$1.43B1541
2023$5.52B1125
2024$577.93M828
2025$703.17M413
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • Finastra47.2%
  • Zilch6.5%
  • ClearBank4.9%
  • Other companies41.3%

Funding by stage

374 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel159 42.5%
Series A–B117 31.3%
Series C+ / PE42 11.2%
Grants, debt & other56 15.0%

Recent recorded rounds

Latest recorded rounds · USD
3 rounds

Swipe or scroll horizontally to browse.

Conventional Debt04/2026
Revolve $54.19M

Backed by Foresight Group.

Seed04/2026
Ralio $2.5M

Backed by Sure Valley Ventures and Love Ventures and others.

Seed03/2026
Data Wallet $1.74M

Backed by 1818 Venture Capital and Angel Academe.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series D11/2025
Zilch$175M

Backed by KKCG and BNF Capital.

Series B06/2021
Zilch$110.12M

Backed by Goldman Sachs Asset Management and DMG Ventures.

Series C09/2021
Zilch$110M

Backed by Ventura Capital and Gauss Ventures.

Series C06/2022
Codatcodat.io$100M

Backed by J P Morgan and Canapi Ventures and others.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

Annual accounts for reporting companies linked to this landscape, on like-for-like currency and reporting bases.

Expand panel +
GBP · millions · consolidated

Display conversions use the dated reference rates above. Where a verified rate is unavailable, figures retain their source currency. Each reporting cohort keeps its currency and accounting basis separate.

FY2025 · company accounts; aggregate reporting threshold not met · 1 reporting entities from 151 eligible matches.

Revenue in covered accounts—

Sum of reporting-entity revenue; not the United Kingdom market sales.

Net profit / loss—

Combined result for the same cohort.

Aggregate net margin—

Combined net income ÷ combined revenue.

Median company revenue—

The middle covered reporting entity.

Profitable entities—

None of 1 covered entities.

Top-five concentration—

Share of covered revenue from the five largest entities.

Annual account trend

Reported cohort totals by year; coverage is stated for every period.

Bar height shows revenue. Changes in coverage can affect totals.

Profitability has two perspectives

FY2025 · 1 reporting entities

Open the company accounts

Up to eight fixed company previews show financial amounts. Search and sort the wider company list, then continue in Radar.

1 reporting entities
Continue your financial research in Radar

Explore full company accounts and filings.

View financials in Radar ↗
THE UNITED KINGDOM · INDUSTRY COHORTS

How does embedded finance compare?

Each pair uses the same year, currency and reporting basis. Cohort overlap is disclosed.

IndustryCovered / eligibleRevenue totalMedian revenueNet profit / lossAggregate marginProfitable shareOverlap

Available-account cohorts are not estimates of whole industries. Overlapping entities can occur in more than one cohort; do not add cohort totals.

Coverage, calculations & financial sources

Filed annual accounts for exact designated national identifiers. Every aggregate and peer pair uses one fiscal year, source currency and reporting basis; periods, coverage and overlap are explicit; 2026 partials are excluded.

The same up to eight reporting entities remain open across years, filters and sorts. Other company figures are available in Radar.

Source currencies and accounting bases stay separate. Missing accounts are excluded rather than treated as zero. Exact reporting periods appear on company previews. Annual totals can change with coverage and do not measure growth of a fixed company cohort.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

How the the United Kingdom companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.

Busiest websites

15 of the 331 companies on this page carry a measured traffic record (4.5%); these are the largest of those, by monthly visits. The median among them is 269,539 visits.

CompanyMonthly visitsAuthorityMobile
TrueLayertruelayer.com25,312,6354097.4%
Tokentoken.io6,564,7063298.7%
Clearpayclearpay.co.uk2,288,7395287.5%
Voltvolt.io766,8133487.7%
Budthisisbud.com764,6143098.8%
Ecospendecospend.com754,8692883.9%
Bumperbumper.co472,9124889.9%
obconnectobconnect.io269,5392199.5%
Snoopsnoop.app214,3093191.1%
Paysafecashpaysafecash.com170,8713691%

Visits and authority are third-party web estimates, not company-reported figures.

Most-installed apps

26 of these companies (7.9%) publish at least one Android app — 39 apps in all, carrying 45.9M installs between them.

AppInstallsRatingStore category
Moniepoint Personal BankingMoniepoint22.8M4.6Finance
Moniepoint Business BankingMoniepoint17.3M4.7Finance
Clearpay - Buy Now, Pay LaterClearpay3.6M4.7Shopping
Snoop Finance | Budget TrackerSnoop1M—Finance
BTSE: Buy Bitcoin & CryptoBTSE484.1K3.9Finance
V12 Retail FinanceV12 Retail Finance241.1K—Finance
Tymit Credit CardTymit156.5K3.9Finance
MoneyFexMoneyFex55.7K3Finance
Onmo - Mobile MoneyOnmo55.6K—Finance
Token Open BankingToken53.7K4.2Finance

Installs are lifetime totals to date at the June 2026 store reading — a measure of reach, not of people using an app today.

App reach by segment

The busiest app inside each of this page’s own segments, with the quarterly release trend behind it (2023Q1–2025Q3).

SegmentAppsInstallsLeading appRelease trend
Alternative Lending944.1MMoniepoint Personal Banking 22.8M
Banking Tech2141.2MMoniepoint Business Banking 17.3M
Payments2040.4MTymit Credit Card 156.5K
Investment Tech61MSnoop Finance | Budget Tracker 1M
Insurance It21MUlix360 11
Cryptocurrencies2484.3KBTSE: Buy Bitcoin & Crypto 484.1K
B2B E-Commerce2177Fena Toolkit 158

A company can carry several segment tags, so these rows overlap and should not be added together. Trend lines are zero-based and share one quarter grid, so a flat line is a quiet segment, not a missing one.

INSIDE THE INDUSTRY

The the United Kingdom embedded finance market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

Fintech331
Enterprise tech278
Enterprise software177
Consumer digital97
Saas86
Fintech saas75
Cloud banking57
Blockchain in financial services55
Nbfc lenders27
Internet first lenders26
Internet first point of sale financing25
Marketplaces24

Companies can sit in several segments. Counts and funding overlap.

SEGMENT TO EXPLORE

Fintech

The largest measured segment in this report snapshot.

331companies
3.9%have hiring activity

13 companies hiring · $11.23B disclosed funding

Explore in Radar

How companies make money

Common revenue models; a company can use more than one.

Subscription253
Commission on transaction170
Fee-for-service48
E-commerce - service37
Lending27
E-commerce - product11
Advertising6
Licensing2
THE COMPANIES IN MOTION

Who is listing, hiring leaders, launching and winning work

Recorded corporate activity linked to companies in this landscape.

Expand panel +
Recent corporate headlines 10 dated reports
Mergers & acquisitionsclearcourse.co.uk ↗

ClearCourse, a U.K.-based provider of integrated software and payments solutions, has acquired Kurve, a South Wales-based company specializing in self-service technology for the hospitality sector, according to an InsiderMedia report.

Funding roundsvalktech.io ↗

Metavallon VC, F10/SIX Group, SICTIC. Seed round, confirmed.

Mergers & acquisitionsmoniepoint.com ↗

Moniepoint has completed the acquisition of Sumac Microfinance Bank in Kenya, following approvals from the Central Bank of Kenya and the Competition Authority of Kenya. The transaction follows other recent corporate moves by Moniepoint, including the purchase of Orda Africa, a cloud‑based restaurant management provider, and Bancom Europe, a financial institution licensed for electronic money services by the UK’s Financial Conduct Authority.

Funding roundsyaspa.com ↗

while London-based Yaspa secured just over €10 million to expand payment and identity services for regulated sectors such as online gambling.

Funding roundsthesource.co.uk ↗

Source.ag, which secured €15.2 million to scale AI software for greenhouse operations,

Funding roundsfundment.com ↗

UK adviser-platform provider Fundment raised €53 million to develop its integrated investment and back-office tools.

Funding roundsintegrated.finance ↗

Workflow automation solution Integrated Finance raised a £1.9m Series A.

Mergers & acquisitionstruelayer.com ↗

TrueLayer, Europe's leading Pay by Bank network, today announced that it has signed an agreement to acquire Zimpler, the fastest growing Pay by Bank network in the Nordics.

New productsplacingplatformlimited.com ↗

The Placement Creation assistant links Outlook and Teams with the placement process, automatically extracting key data fields from Word and PDF contract documents.

Earningsclear.bank ↗

ClearBank’s normalised revenue increased 34 per cent year-on-year to £121.6million

Full recorded event mix

Top 10 categories among 291 recorded events in the 24-month window.

Leadership moves
99
Funding rounds
52
New products
38
Mergers & acquisitions
30
Contracts
28
Company announcements
11
Capital infusions
9
Earnings
7
Regulatory
6
Job creation
4
6 activity cards

Swipe or scroll horizontally to browse.

Leadership moves

31 tracked people moves

Anders Olofsson

Appointment Sales Director, EMEA

SmartStream ↗
Thomas Steinborn

Appointment Chief Product Officer

SmartStream ↗
Andreas Burner

Departure Chief Technology Officer

TrueLayer ↗
Stefano De Lollis

Appointment Head of ecommerce

OpenPayd ↗
Barry O’Sullivan

Appointment Chief Banking Officer

Yaspa ↗
Cameron Flood

Appointment head of product (UK and Europe)

Finastra ↗
Chris McClellen

Appointment SVP, Group Head of AI

Finastra ↗
Na

Appointment Vice President, DAMA

Product launches

Products, platforms and features in the recorded window

PPL ↗
MRC Document Comparison assistant

AI-driven trade assistant

PPL ↗
Placement Creation assistant

AI-driven trade assistant

Finastra ↗
Finastra Essence

Core Banking System

Finastra ↗
OperatorAssist

Payments

Moniepoint ↗
Moniebook

POS and inventory‑management platform

Optalitix ↗
Optalitix Quote

AI-driven pricing and analytics platform

Workforce actions

2 companies with reported reductions

TrueLayer ↗

79 rolescost reduction

Moneyhub ↗

36 rolescost reduction

Regulatory events

12 recorded events

Payoro ↗

registered under RPAABank of Canada

Moniepoint ↗

deposit-taking license granted

TrueLayer ↗

Approved acquisitionSwedish Financial Supervisory Authority

Griffin ↗

approved for exit mobilisation

Litigation

1 tracked suits

Company
Damilola Ajiboye v moniepoint

Stock options denialCivil · Filed

Mergers and acquisitions

Company-linked deal reports; status is preserved as recorded.

Acquirer → targetStatusDateValue / context
ClearCourse→kurveAnnounced2026-04-30Not stated in snapshot
Moniepoint→Sumac Microfinance Bank LimitedCompleted2026-04-02Not stated in snapshot
Moniepoint→Orda AfricaAnnounced2026-04-02Not stated in snapshot
Moniepoint→Bancom Europe2026-04-02Not stated in snapshot
Zopa Group→DivideBuy ↗Completed2026-03-27Not stated in snapshot
Moniepoint→Sumac Microfinance Bank Kenya LimitedCompleted2026-03-25Not stated in snapshot

A discussion or rumour is not a completed transaction. An unstated value is not zero.

PEOPLE & OPPORTUNITY

The talent market

34 postings in the preceding 12 months. The full 42-posting snapshot covers 5 employers.

Expand panel +

Most advertised job titles

Technical Web3 Product Manager1
2 internship postings

2 tracked postings mention remote work.

The seniority mix

1 postings specify a level.

unspecified
41
manager
1

Skills employers mention

Top skills across 42 tracked postings in the available jobs snapshot.

Fintech
4
Payments
3
Hubspot
3
Api
3
Lending
3
Observability
3
Financial Services
3
Python
3
Aws
3
Saas
3
THE PEOPLE BUILDING THE FIELD

Founders and leaders

234 founders and chief executives across 159 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

38 profiles with education records.

University of Bristol
5
University of Oxford
5
University of Cambridge
4
Harvard Business School
3
Harvard University
3
University College London
3
Tel Aviv University
3
London School of Economics and Political Science
2

Prior employers

11 profiles with prior-work records.

Microsoft
3
Goldman Sachs
2
McKinsey
2
Airbnb
1
Paypal
1
Morgan Stanley
1
Facebook
1

Profiles cover recorded founders and leaders; contact details remain in Radar.

NEWS INTELLIGENCE

How this industry appears in the news

209,782 articles in the measured 12-month window.

Expand panel +
209,782articles in the measured year
51,838articles in 2026Q1
69.9%positive tone in the latest complete year

News volume trends

Embedded Finance coverage across United Kingdom · articles per complete quarter

022,11444,22866,34288,4562021Q2: 35,9262021Q22021Q3: 41,2082021Q4: 36,2562022Q1: 43,7582022Q2: 41,3552022Q22022Q3: 39,1452022Q4: 44,3192023Q1: 44,9982023Q2: 45,4372023Q22023Q3: 42,5962023Q4: 42,3172024Q1: 47,7752024Q2: 42,6562024Q22024Q3: 49,1362024Q4: 49,6832025Q1: 76,9182025Q2: 61,5682025Q22025Q3: 54,3352025Q4: 44,1242026Q1: 51,8382026Q1
View quarterly article counts
QuarterArticles
2021Q235,926
2021Q341,208
2021Q436,256
2022Q143,758
2022Q241,355
2022Q339,145
2022Q444,319
2023Q144,998
2023Q245,437
2023Q342,596
2023Q442,317
2024Q147,775
2024Q242,656
2024Q349,136
2024Q449,683
2025Q176,918
2025Q261,568
2025Q354,335
2025Q444,124
2026Q151,838

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
80,735 positive · 1,525 neutral · 38,128 negative
2022
108,517 positive · 2,316 neutral · 57,467 negative
2023
114,043 positive · 2,890 neutral · 58,109 negative
2024
128,633 positive · 3,786 neutral · 56,546 negative
2025
165,354 positive · 4,825 neutral · 66,366 negative

Leading coverage topics

Embedded Finance coverage across United Kingdom · ranked by full-period article count.

Cryptocurrency Impact On Forex Markets35,711 articles in the full recorded period
9,756 recent · 6,889 prior
Economic Indicators (Gdp, Cpi, Unemployment)19,705 articles in the full recorded period
4,487 recent · 4,660 prior
Interest Rate Decisions And Impacts19,227 articles in the full recorded period
4,589 recent · 4,031 prior
Central Bank Monetary Policy Announcements17,527 articles in the full recorded period
3,617 recent · 3,739 prior
Federal Reserve Policy Meeting Summaries16,574 articles in the full recorded period
3,585 recent · 3,562 prior
Trade Wars And Geopolitical Impacts14,481 articles in the full recorded period
4,229 recent · 3,824 prior
Global Recession Risks And Forecasts11,314 articles in the full recorded period
3,233 recent · 2,971 prior
Macroeconomic Indicators In Forex Analysis10,635 articles in the full recorded period
2,121 recent · 2,884 prior
Foreign Exchange (Forex) Rate Fluctuations10,429 articles in the full recorded period
3,235 recent · 2,171 prior
Regulatory Compliance In Foreign Exchange Trading10,154 articles in the full recorded period
3,117 recent · 1,460 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Embedded Finance coverage across United Kingdom

KeywordRecentPriorChange
stock performance5,6703,86747%
stock price2,2791,43159%
gold spot price1,9001,32643%
exchange rates1,6981,12851%
forex liquidity1,575589167%
stablecoin fx impact1,425683109%
commodity futures1,39894248%
share price1,20069872%
decentralized forex1,11059587%
usd/cad99167946%
inflation reports fx1,3332,395-44%
currency intervention policies1,4362,212-35%
sanctions currency effects1,0071,877-46%
trade deficits fx1,0331,584-35%
cpi forex7511,446-48%

Event and signal lenses

Embedded Finance coverage across United Kingdom

All complete annual cohorts shown
Rising

Regulatory Risk

363,407 classified articles

economic slowdown, currency intervention policies, inflation reports fx

46.0% critical · 37.0% positive
Rising

Funding Momentum

75,207 classified articles

inflation reports fx, currency intervention policies, eur/usd

37.4% critical · 48.9% positive
Rising

Growth

115,590 classified articles

gdp growth forex, inflation reports fx, currency intervention policies

39.3% critical · 43.9% positive

Embedded Finance coverage across United Kingdom. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Embedded Finance research is working on

13,825 papers in the recorded worldwide scope.

Expand panel +
13,825papers
13,825worldwide comparison pool
—India-affiliated papers

Research orientation

Promising
4,450
Descriptive
3,501
Problem-identifying
3,141
Cautionary
1,411
Breakthrough
754
Comparative
414
Critical
154

Contribution mix

Empirical
8,354
Reviews
2,307
Position pieces
1,635
Methods-led
1,361
Theoretical
168

Tone counts: 12,714 positive · 252 neutral · 859 negative.

Common problems researchers identify
3,295 papers · 23.8% of this field
  • Financial services1,723 papers
  • FinTech1,301 papers
  • Financial inclusion570 papers
  • Payment489 papers
  • Government245 papers
  • Financial literacy205 papers
  • Cryptocurrency201 papers
  • Investment172 papers

Landmark: The digital revolution in financial inclusion: international development in the fintech era

Cautions
1,411 papers · 10.2% of this field
  • Financial services670 papers
  • FinTech538 papers
  • Financial inclusion348 papers
  • Payment283 papers
  • Financial literacy129 papers
  • Mobile payment102 papers
  • Digital currency95 papers
  • Investment91 papers

Landmark: Blockchain Technology in Finance

Opportunities
5,204 papers · 37.6% of this field
  • Financial services2,148 papers
  • FinTech1,839 papers
  • Financial inclusion1,123 papers
  • Financial literacy786 papers
  • Payment749 papers
  • Database transaction382 papers
  • Investment314 papers
  • Mobile payment301 papers

Landmark: On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services

Leading institutions

UNSW Sydney
743
University of Manchester
727
University of York
716
University of the West of England
716
Universidad de Zaragoza
685
Columbia University
667

Leading researchers

Robert J. Kauffman
1,822
Peter Gomber
1,821
Chris Parker
1,821
Bruce W. Weber
1,821
Daniela Gabor
716
Sally Brooks
716
Itay Goldstein
621
Wei Jiang
621

Highly cited breakthrough-labelled papers

  • On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services1,820 citations
  • Intention to use analytical artificial intelligence (AI) in services – the effect of technology readiness and awareness370 citations
  • The FinTech phenomenon: antecedents of financial innovation perceived by the popular press240 citations
  • FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana116 citations
  • CBDC, Fintech and cryptocurrency for financial inclusion and financial stability100 citations

Common problems researchers identify

2,820 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

FinTech reshaping financial servicesCommon problems researchers identify · 01

FinTech reshaping financial services

813 papers

28.8% of this theme group

Researchers discuss how emerging financial technologies challenge traditional banking and regulatory frameworks.

FinTech (653) · Financial services (545) · Financial innovation (112) · Financial regulation (65)

THE DEVELOPMENT OF THE FINTECH INDUSTRY AND ITS INFLUENCE ON THE FINANCIAL SECTOR

Changes and Challenges of Financial Technology (FinTech) for the Banking Industry

View research history
YearShare index
202220.7
202323.8
202420.8
202535.1
Market and loan service disruptionsCommon problems researchers identify · 02

Market and loan service disruptions

556 papers

19.7% of this theme group

Papers examine pressures on financial markets and lending practices amid evolving service models.

Financial services (257) · Loan (39) · Financial market (45) · Order (37)

Innovazione finanziaria e rafforzamento del mercato unico per servizi finanziari retail: sfide, rischi, risposte della regolazione.

Financial System in New Economic Scenario: Challenges and Opportunities

View research history
YearShare index
202296.5
2023102.4
2024235.2
2025123.5
Inclusion gaps in digital financeCommon problems researchers identify · 03

Inclusion gaps in digital finance

396 papers

14.0% of this theme group

Studies highlight barriers to accessing financial services and literacy for underserved populations.

Financial inclusion (358) · Inclusion (79) · Financial services (285) · Financial literacy (89)

Financial Inclusion: The Role of Fintech and Digital Financial Services in India

Digital Financial Inclusion Through FinTech

View research history
YearShare index
202276.6
2023104.9
2024100.3
2025222.6
Mobile payments and banking hurdlesCommon problems researchers identify · 04

Mobile payments and banking hurdles

316 papers

11.2% of this theme group

Research focuses on challenges of mobile‑based payment and banking adoption.

Payment (147) · Mobile payment (72) · Mobile banking (51) · Retail banking (46)

Digital Transformation in Banking: Opportunities and Challenges

Digital Transformation in India’s Financial Sector: Progress, Challenges and Policy Implications

View research history
YearShare index
2022861.8
2023830.3
2024932.2
2025990.3
Blockchain beyond cryptocurrenciesCommon problems researchers identify · 05

Blockchain beyond cryptocurrencies

312 papers

11.1% of this theme group

Analyses explore blockchain applications in finance while noting technical and regulatory obstacles.

Cryptocurrency (144) · Blockchain (110) · Digital currency (105) · Currency (61)

Applications of Blockchain Technology in the Finance and Banking Industry Beyond Digital Currencies

The impact of blockchain and distributed ledger technology on financial services

View research history
YearShare index
2022905.6
2023967.4
2024915.8
20251033.4
Sharia‑compliant fintech developmentCommon problems researchers identify · 06

Sharia‑compliant fintech development

234 papers

8.3% of this theme group

Works address the unique challenges of integrating Islamic finance principles with modern technology.

Islam (125) · Sharia (77) · Islamic finance (39) · FinTech (132)

DEVELOPING ISLAMIC FINANCIAL TECHNOLOGY IN INDONESIA

Sharia Fintech: Opportunities and Challenges in Indonesia

View research history
YearShare index
20222483.4
20232547.6
20242160.1
20252372.7
AI and big data in financeCommon problems researchers identify · 07

AI and big data in finance

193 papers

6.8% of this theme group

Authors discuss the promise and pitfalls of artificial intelligence and large‑scale data use in financial services.

Financial services (123) · Applications of artificial intelligence (17) · Big data (25) · FinTech (67)

POTENTIALS AND CHALLENGES OF ARTIFICIAL INTELLIGENCE IN FINANCIAL TECHNOLOGIES

ARTIFICIAL INTELLIGENCE IN FINANCE AND FINTECH

View research history
YearShare index
2022128.4
2023113.6
202472.3
2025120.3

Cautions

1,129 papers · 7 recurring themes
7 cards

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Systemic impact of fintech innovationCautions · 01

Systemic impact of fintech innovation

290 papers

25.7% of this theme group

Cautionary analyses assess how rapid fintech growth may destabilize established banking structures.

FinTech (228) · Financial services (190) · Financial innovation (53) · Financial system (24)

Financial Innovation and Digital Technology in the Banking System: An Institutional Perspective

FINTECH AND ITS IMPACT ON TRADITIONAL BANKS

View research history
YearShare index
2022193.8
2023195.3
2024184.3
2025121.5
Governance risks of digital financeCautions · 02

Governance risks of digital finance

213 papers

18.9% of this theme group

Papers warn about governance and oversight challenges introduced by new financial technologies.

Investment (27) · Financial services (65) · Information technology (12) · Corporate governance (21)

Does financial technology matter? Evidence from an alternative banking system

Digital Financial Risk Control: Challenges and Innovation In The Modern Financial System

View research history
YearShare index
2022478.5
2023500.4
2024387.7
2025550.6
Inclusion promises versus realityCautions · 03

Inclusion promises versus reality

210 papers

18.6% of this theme group

Research questions whether fintech truly expands access for financially excluded groups.

Financial inclusion (162) · Financial services (136) · FinTech (115) · Financial literacy (56)

Fintech and financial inclusion: Transforming underserved access to financial services

The Role of Fintech in Financial Inclusion: Analyzing 21st-Century Strategies, Innovations, and Challenges

View research history
YearShare index
202272.4
2023101.2
202497.3
2025217.2
Mobile payment adoption concernsCautions · 04

Mobile payment adoption concerns

138 papers

12.2% of this theme group

Studies highlight consumer behavior and inclusion issues linked to digital payment platforms.

Mobile payment (61) · Payment (92) · Mobile banking (29) · Financial inclusion (44)

IMPACT OF DIGITAL PAYMENT SYSTEMS ON THE FINANCIAL INCLUSION OF NIGERIAN CITIZENS

“ <b>"Impact of Digital Payment Systems on Consumer Spending Behaviour"</b>

View research history
YearShare index
2022861.8
2023830.3
2024932.2
2025990.3
AI ethics in financial servicesCautions · 05

AI ethics in financial services

115 papers

10.2% of this theme group

Analyses explore ethical and operational challenges of deploying artificial intelligence in finance.

Financial services (81) · Financial market (25) · Applications of artificial intelligence (10) · Corporate governance (19)

Unleashing the Power of AI in Financial Services: Opportunities, Challenges, and Implications

The Role of Artificial Intelligence in Enhancing Financial Services: Opportunities and Challenges

View research history
YearShare index
2022193.1
2023221.0
2024338.4
2025363.4
Transparency limits of blockchainCautions · 06

Transparency limits of blockchain

88 papers

7.8% of this theme group

Works discuss regulatory and transparency hurdles surrounding distributed ledger technologies.

Blockchain (60) · Distributed ledger (15) · Cryptocurrency (24) · Transparency (21)

Financial application scenarios and regulatory challenges of blockchain technology

Understanding the Adoption of Blockchain Technology in Financial Information Systems

View research history
YearShare index
2022877.6
2023932.2
2024882.0
2025991.9
Digital currency stability questionsCautions · 07

Digital currency stability questions

75 papers

6.6% of this theme group

Research examines how central bank digital currencies may affect monetary stability and policy.

Digital currency (58) · Currency (34) · Monetary policy (13) · Central bank (11)

Digital currencies and their potential impacts on financial stability

CENTRAL BANK DIGITAL CURRENCIES AND FINANCIAL INCLUSION IN DEVELOPING ECONOMIES: OPPORTUNITIES, CHALLENGES, AND LESSONS FROM EARLY ADOPTERS

View research history
YearShare index
2022132.3
2023129.1
202490.3
2025114.7

Opportunities

4,314 papers · 7 recurring themes
7 cards

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Fintech driving financial innovationOpportunities · 01

Fintech driving financial innovation

942 papers

21.8% of this theme group

Papers highlight how new technologies can reshape payment systems and market structures.

FinTech (700) · Financial services (446) · Financial innovation (70) · Payment (146)

Impact of Financial Technology (FinTech) on Sustainable Growth: Key Factors, Practical Cases and Empirical Review

"FINTECH ADOPTION IN BANKING : IMPACTS ON FINANCIAL INTERMEDIATION AND MARKET STRUCTURE"

View research history
YearShare index
2022848.7
2023819.6
2024924.3
2025976.3
Digital transformation of paymentsOpportunities · 02

Digital transformation of payments

927 papers

21.5% of this theme group

Studies explore benefits of mobile and digital payment solutions for efficiency and inclusion.

Payment (184) · Financial services (301) · Digital transformation (86) · Mobile payment (83)

Socio-Economic Challenges of Digital Banking Adoption: The Impact of Perceived Usefulness, Ease of Use, and Self-Efficacy

DIGITAL FINANCIAL SERVICES AND BANKING EFFICIENCY: AN EMPIRICAL APPROACH

View research history
YearShare index
2022929.6
2023912.7
20241016.6
20251169.0
AI for risk and fraudOpportunities · 03

AI for risk and fraud

706 papers

16.4% of this theme group

Research showcases machine learning methods improving credit assessment and fraud detection.

Interpretability (65) · Credit card fraud (43) · Credit risk (74) · Big data (90)

Leveraging artificial intelligence and machine learning for next-generation credit risk assessment models

Financial AI: Harnessing Machine Learning for Algorithmic Trading, Risk Assessment, and Fraud Detection

View research history
YearShare index
202235.2
202337.0
202430.9
202539.9
Fintech enhancing financial inclusionOpportunities · 04

Fintech enhancing financial inclusion

608 papers

14.1% of this theme group

Works demonstrate how digital finance tools can broaden access for underserved groups.

Financial inclusion (592) · Financial services (441) · Inclusion (112) · FinTech (298)

The Role Of Fintech In Enhancing Financial Inclusion

The Role of Digital Banking and Fintech in Advancing Financial Inclusion

View research history
YearShare index
202237.8
202346.8
202449.0
2025108.5
Financial literacy through technologyOpportunities · 05

Financial literacy through technology

576 papers

13.4% of this theme group

Papers examine how digital tools boost financial knowledge and behavior.

Financial literacy (530) · Digital literacy (54) · FinTech (244) · Literacy (41)

Effect of Financial Literacy and Use of Financial Technology (FinTech) on Financial Behavior

Financial Behavior, Inclusion, and Technology in MSMEs: The Mediating Impact of Financial Literacy on Performance

View research history
YearShare index
202295.1
2023120.1
2024103.5
2025251.6
Blockchain applications in marketsOpportunities · 06

Blockchain applications in markets

279 papers

6.5% of this theme group

Research outlines how distributed ledger technology can streamline financial transactions.

Blockchain (197) · Cryptocurrency (59) · Distributed ledger (32) · Database transaction (78)

The Application of Blockchain Technology in Financial markets

Blockchain in banking and financial services

View research history
YearShare index
2022877.6
2023932.2
2024882.0
2025991.9
Islamic fintech for social inclusionOpportunities · 07

Islamic fintech for social inclusion

276 papers

6.4% of this theme group

Studies explore Sharia‑compliant technology solutions that promote economic empowerment.

Islam (150) · Sharia (73) · Islamic banking (25) · FinTech (146)

Islamic Fintech and Financial Inclusion: Innovations for Sustainable Economic Empowerment

POTENTIAL OF ISLAMIC FINTECH AS AN INNOVATIVE SOLUTION TO SOCIAL INCLUSION

View research history
YearShare index
20222484.8
20232549.9
20242161.3
20252373.9

How this field compares with the research baseline

Orientation shares compared with 25,000 papers in the reference sample.

Research orientationThis fieldReference sample
Promising32.2%37.0%
Descriptive25.3%17.3%
Problem-identifying22.7%9.9%
Cautionary10.2%4.3%
Breakthrough5.5%26.7%
Comparative3.0%3.8%
Critical1.1%0.9%

Concerns receiving less research attention

Counts and shares refer to the stated research pool. A low count describes how much of that research is recorded here, not the absence of a real-world concern.

Concern / example paperPapersShareRaised as a problemWorldwide share
Privacy & surveillanceMobile payment in Fintech environment: trends, security challenges, and services1040.91%58 (55.8%)0.91%
Concentration of compute powerThe Rising of Fintech - How the Tech Revolution in Financial Services Represents A Paradigm Shift300.26%14 (46.7%)0.26%
Energy & datacenter footprintAn integrated model of financial technology adoption and environmental performance: The role of green innovation260.23%6 (23.1%)0.23%
Bias & fairnessDigital Finance, Financial Inclusion and Gender Equality: Strategies for Economic Empowerment of Women120.1%6 (50.0%)0.1%
Safety & misuseThe Role of Notaries in Preventing the Misuse of Fintech and Crypto Assets for Money Laundering: Risk Analysis and Requi90.08%5 (55.6%)0.08%
Labour & data workFinancial Technology Acceptance in Baby Boomers Generation50.04%3 (60.0%)0.04%
Carbon & emissions of computeRethinking portfolio design with sustainable AI and FinTech: dynamic spillovers in a quantile–frequency framework10.01%0 (0.0%)0.01%
Water use00.0%0 (%)0.0%
Hardware, e-waste & supply chain00.0%0 (%)0.0%

Institution and researcher rankings use citations to their covered work. Research scope: worldwide. This may be broader than the company geography.

GEOGRAPHIC FOOTPRINT

Where companies are based

Company counts, hiring and disclosed funding across the recorded hubs.

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8 cards

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UNDERSTAND THE LANDSCAPE

Embedded Finance in the United Kingdom: key questions

Clear definitions for making better comparisons.

What does this landscape measure?

It measures the tracked company ecosystem, recorded funding, hiring and other available evidence. It is not a market-size estimate.

Can segment counts be added together?

No. A company can belong to several segments, so segment counts and funding can overlap.

What does a missing figure mean?

A dash or unavailable panel means the current reviewed source snapshot does not support that figure.

KEEP EXPLORING

Put the United Kingdom in context

All landscapes ↗

Company ecosystem snapshot: 3 September 2026. Funding is recorded in USD; filed accounts retain their stated currency and reporting basis. Each section identifies its own coverage. The news and research behind these sections is explorable in Prism.

Canonical landscape ↗
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