German Consumers and Smaller Businesses Form an Untapped Embedded Lending Market

The Embedded Lending Opportunity: Germany Edition

Interest in providing embedded lending among German lenders is surprisingly low given that 3 in 10 consumers and 1 in 3 smaller businesses would switch providers to access embedded lending. “The Embedded Lending Opportunity: Germany Edition,” a PYMNTS Intelligence report commissioned by Visa, explores what is holding back embedded lending innovation in Germany.

Inside the September Data Brief

29%: Share of consumers in Germany highly likely to switch providers to access embedded lending
96%: Share of smaller businesses in Germany that experienced friction with embedded lending, among those that used it
25%: Share of lenders that are highly interested in offering new embedded lending products for consumers