APAC leads global embedded finance race as North American interest stalls
Source: Asian Banking & Finance
Published on: 2026-04-09 21:38
Nearly all APAC firms plan to invest in APIs and embedded payments throughout 2026. Asia-Pacific small and mid-sized businesses (SMBs) are more interested in investing in embedded finance compared to their regional counterparts, as embedded payments and application programming interfaces (APIs) become more widely used, allowing them to offer services that were previously limited to larger firms. Adoption is more advanced in Asia-Pacific and Europe compared to North America, with survey data showing that 98% of respondents in Asia-Pacific and 70% in Europe plan to invest in embedded finance, compared with 54% in North America, according to the Global Payments' 2026 Trends Report. In Europe, 51% of respondents expect buy now, pay later (BNPL) to increase revenue by at least 25%, whilst only 28% of North American respondents share the same expectation. Payment industry leaders said Nort...
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