FinTechs Strengthen Compliance as Embedded Finance Expands

Embedded finance integrates payments, disbursements, credit and wallets directly into ERP, procurement or industry software, allowing businesses to complete transactions without switching to a bank’s system. A 2025 study by PYMNTS Intelligence and Marqeta found that the model is evolving from an add-on into core infrastructure for B2B platforms, opening new revenue streams from fees and financial services.

On March 12, 2026, PYMNTS published a survey of 30 payments executives at U.S. B2B platforms with annual revenue of at least $500 million. Of those surveyed, 54% reported a direct increase in revenue, rising to 67% among platforms with more than $1 billion in annual revenue. Some 83% had embedded payments, 70% offered disbursements and 57% provided digital wallets. A separate report on April 13 said 58% of small businesses viewed inflation as their main financial challenge in 2025, while the market was projected to grow from $4.1 trillion to $15.6 trillion by 2030.

Embedded finance integrates payments, lending and account services into nonfinancial platforms, typically through partnerships between fintech companies and licensed banks. As the U.S. market continues to expand, data permissions, consumer protection and accountability are becoming regulatory priorities, with the Consumer Financial Protection Bureau’s personal financial data rules taking on particular importance.

A recent survey found that industry participants broadly expect U.S. regulatory standards to rise significantly over the next three years. Companies have begun reassessing partnerships between banks and technology platforms to address new open-banking requirements for data access, authorization and compliance. The reports did not disclose the survey date, number of respondents or market value, nor did they specify a timetable for implementing the CFPB rules.