# 2025 State of Embedded Payments Report

Embedded payments are no longer just a utility. According to EY and Finix's _2025 State of Embedded Payments Report_, they're now a powerful growth engine, unlocking new revenue streams and driving customer engagement. By integrating financial services into non-financial platforms, businesses are transforming industries and shaping the future of commerce.

## Key Insights

**Untapped Revenue Potential**  
Embedded payments unlock new revenue streams by integrating transactions directly into platforms like retail apps and healthcare systems.

**North America is Leading the Charge**  
It’s leveraging embedded payments to cross-sell, streamline operations, and create superior customer experiences.

**Enabling Technologies**  
While modern APIs are facilitating quick, scalable payment integrations, advanced analytics are driving personalized experiences, fraud reduction, and new business opportunities.

**Overcoming Legacy Technology and Compliance Regulations**  
Partnerships among fintechs, financial institutions, and platforms are crucial for compliance adaptation and scaling innovations.

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## Looking ahead, embedded payments will remain a cornerstone of digital ecosystems, transforming how businesses deliver value.

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