Embedded Lending’s Adoption in the U.K. Falls Short of Potential

The Embedded Lending Opportunity: United Kingdom Edition

While nearly 9 in 10 lenders in the U.K. offer embedded lending, U.K. consumers are less likely to use it than consumers in four other key markets. Smaller businesses’ adoption also has room to grow. PYMNTS Intelligence’s latest report, “The Embedded Lending Opportunity: United Kingdom Edition,” a PYMNTS Intelligence report commissioned by Visa, explores what’s holding embedding lending back in the U.K.

Inside the September Data Brief

27%: Share of U.K. consumers that are highly likely to switch providers to access embedded lending
95%: Share of smaller businesses in the U.K. that experienced friction with embedded lending, among those that used it
33%: Share of U.K. lenders that are highly interested in offering new embedded lending products for consumers