嵌入式B2B支付：通过五步行动计划解锁16万亿美元机遇

Embedded B2B Payments:Unlocking the $16 TrillionOpportunity with a 5 StepAction Plan Contents 22 Inttntrodoruci n4Whare4mbBpy4srW?nr6TlrWvymmyb4rbuubvWf4yWir8yW?rcrUrhWnurcBWyb4rumc401Introduction402What are embedded B2B payments?603There is a clear value for embedded payments in the B2B space804Unpacking the $16 trillion B2B embedded payments opportunity1005The B2B embedded payments value chain is formed by a range of13specialised participants06Many technology platforms already use embedded payments1607Strategic considerations and best practices for embedding paymentssolutions in technology platforms1908A 5 step action plan to make embedded payments a reality22About Edgar, Dunn & Company24Authors25Glossary26References27 01Introduction 01 Introduction In the ever-evolving financial technology landscape,embedded payments have gone beyond a genericbuzzword to become a reality. Consumer-facingservices have swiftly embraced the concept ofembedded payments. Think of your favourite mobileapps like Netflix or Uber - smooth transactions,in-app purchases, and subscription renewalsseamlessly integrated into the user experience -and observe how embedded consumer paymentshave become a staple of our digital era. EmbeddedB2B payments, although still lagging behind inadoption compared to the consumer segment, ison a swift upward trajectory and Edgar, Dunn &Company estimates that embedded B2B paymentswill reach a market size of $16 trillion by 2030.This whitepaper explores why embedded paymentshave become critical in the B2B space, examinesthe ecosystem of specialised participants, andprovides strategic guidance for B2B technologyplatforms looking to implement embeddedpayment solutions. 02What are EmbeddedB2B Payments? 02 What are embedded B2B payments? Embedded B2B payments involve seamlessly integrating payment functionalities into non-financialplatforms or applications that businesses already use. The goal? To make the B2B payments journey asintuitive and efficient as its consumer counterpart. The first wave of B2B payment innovation brought digital payments, but these still required users tomanually switch between systems – such as logging into a banking portal separately from a procurementplatform to initiate payments, check balances, and confirm transactions. Embedded B2B paymentsrepresent the next evolutionary leap by integrating payment capabilities and workflows directly withinthe business systems companies already use, without leaving this environment. There is Clear Value forEmbedded Payments inthe B2B Space 03 There is clear value for embedded paymentsin the B2B space •Real-time reconciliation:Automated recordingdirectly at the point of transaction eliminatesmanual reconciliation challenges andresolves reporting delays, data mismatches,and compliance risks. While electronic payments deliver fundamentalbenefits like speed, efficiency and cost reduction,embedding payment capabilities within B2Bplatforms creates distinctive strategic advantages: Integrated payments with B2B platforms: •Integrated payment systems eliminateplatform switching and manual data re-entry,increasing internal efficiency, reducing errorsand freeing staff for value-added tasks. With69% of companies struggling with a lack ofintegration between payment and businesssystems1, embedded business software offers acomprehensive solution. These compelling advantages will drive marketadoption of embedded B2B payment solutions,creating a significant market opportunity. •Efficient approval work flows:Complexmulti-stakeholder B2B approvals that delayinvoice processing timelines by an average of10 days2or more can be condensed to minutesthrough automated routing and customisedapproval matrices. •Enhanced security:Given that over 60% ofcompanies experienced B2B payment fraud in20233, automated fraud prevention workflowsmitigate risks by removing manual intervention,validating invoices and payment details andstrengthening overall security. Unpacking the$16 Trillion B2B EmbeddedPayments Opportunity 04 Unpacking the $16 trillion B2B embeddedpayments opportunity" Our experience working with allstakeholders in the value chain showsstrong momentum in the embedded B2Bpayments market. The combination oftechnological platform maturity, rapiddigitalisation of B2B processes, B2Be-commerce expansion, and growingacceptance network creates perfectconditions for embedded paymentsadoption across regions. From ourperspective at Edgar, Dunn & Company,these fundamental shifts will sustain highgrowth rates in the coming years." Edgar, Dunn & Company estimates that theembedded B2B payments market will reach $15.6trillion by 2030 representing a nearly fourfold from itsmarket size in 2024, which stood at $4.1 trillion. Themajor share of this value is expected to originate fromAsia Pacific, Europe and North America, aligning withtrends observed in the broader B2B payments market. Gregoire ToussaintDirectorEdgar, Dunn & Company Additionally, the expanding B