How embedded finance is reshaping credit access for MSMEs and individuals: Implications for credit information systems
In recent years, embedded finance has emerged as a transformative force in the financial services industry, rapidly reshaping how individuals and businesses—particularly micro, small, and medium enterprises (MSMEs)—access credit. By integrating financial services directly into nonfinancial platforms and workflows, embedded finance is creating new pathways for financial inclusion, enabling underserved segments to access credit in ways that were previously unimaginable. This shift is not only redefining traditional lending models but also challenging the role of conventional credit information systems.
While market size and growth estimates vary, the global potential of embedded finance is measured in trillions of dollars in transactions and hundreds of billions of dollars in provider revenues.
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