{"id":72334,"date":"2026-09-07T14:53:33","date_gmt":"2026-09-07T07:53:33","guid":{"rendered":"https:\/\/faspay.co.id\/?p=72334"},"modified":"2026-09-07T16:57:30","modified_gmt":"2026-09-07T09:57:30","slug":"embedded-finance-business-opportunities","status":"publish","type":"post","link":"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/","title":{"rendered":"Embedded Finance: Unlocking New Business Opportunities"},"content":{"rendered":"\n<p>Faspay Blog<\/p>\n<p>Find out about online business tips, payment technology, digital marketing, and everything you need to know about Faspay.<\/p>\n\t<a property=\"item\" typeof=\"WebPage\" title=\"Go to Faspay.\" href=\"https:\/\/faspay.co.id\/en\/\">Faspay<\/a><meta property=\"position\" content=\"1\"> &gt; Private: Embedded Finance: Unlocking New Business Opportunities<meta property=\"url\" content=\"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/\"><meta property=\"position\" content=\"2\"><h1><span class=\"ez-toc-section\" id=\"Embedded_Finance_Unlocking_New_Business_Opportunities\"><\/span>\n\t\t\tEmbedded Finance: Unlocking New Business Opportunities \t<span class=\"ez-toc-section-end\"><\/span><\/h1><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/#Embedded_Finance_Unlocking_New_Business_Opportunities\" >Embedded Finance Unlocking New Business Opportunities<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/#What_Is_Embedded_Finance\" >What Is Embedded Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/#Why_Is_Embedded_Finance_a_Business_Opportunity\" >Why Is Embedded Finance a Business Opportunity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/#Embedded_Finance_Opportunities_in_Indonesia\" >Embedded Finance Opportunities in Indonesia<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/#Payment_Gateways_as_a_Foundation_for_Embedded_Finance\" >Payment Gateways as a Foundation for Embedded Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/faspay.co.id\/en\/blog\/embedded-finance-business-opportunities\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\t\t\t\t\t\t\t\t<a href=\"mailto:?body=https:\/\/faspay.co.id\/en\/?p=72334&amp;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Email\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/faspay.co.id\/en\/?p=72334&amp;fl_builder&amp;title=Private%3A+Embedded+Finance%3A+Unlocking+New+Business+Opportunities\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on Facebook\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/faspay.co.id\/en\/?p=72334&amp;fl_builder&amp;text=Private%3A+Embedded+Finance%3A+Unlocking+New+Business+Opportunities\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i>\ud835\udd4f<\/i>\n\t\t\t\t\t\t\t\t\t\t\t\tShare on X\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/api.whatsapp.com\/send?text=https:\/\/faspay.co.id\/en\/?p=72334&amp;fl_builder\">\n\t\t\t\t\t\t\t\t\t\t\t\tShare on WhatsApp\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/eg9mp7d8pz2.exactdn.com\/wp-content\/uploads\/2026\/09\/New-Thumbnail-Sept-mengatasi-gagal-transaksi-ENG.jpg?strip=all&lossy=1&webp=85&resize=1920%2C1280&ssl=1\" alt=\"payment-failure\" itemprop=\"image\" height=\"1280\" width=\"1920\" title=\"payment-failure\" onerror=\"this.style.display='none'\" loading=\"lazy\">\n\t<p><b>Embedded finance<\/b> is opening new opportunities for businesses to offer financial services directly within platforms their customers already use. From payments and financing to other financial services, everything can be integrated into a single customer journey without requiring users to switch between applications.<\/p>\n<p>In Indonesia, this opportunity is becoming increasingly relevant as digital transactions continue to grow. Bank Indonesia recorded <b>16.07 billion digital payment transactions in Q2 2026<\/b>, representing 36.88% year-on-year growth. QRIS transactions also grew by 100.12% year-on-year during the same period.<\/p>\n<p>So, what business opportunities are emerging from the growth of embedded finance?<\/p>\n<p><b>Also Read:<\/b> <a href=\"https:\/\/faspay.co.id\/en\/blog\/increase-sales-revenue-for-online-stores\/\"><b>How to Increase Online Store Sales with a Payment Gateway<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Embedded_Finance\"><\/span>\n\t\t\tWhat Is Embedded Finance?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p><b>Embedded finance is the integration of financial services into non-financial platforms or services, allowing users to access financial services directly within the platform they are already using.<\/b><\/p>\n<p>Unlike the conventional model, where customers may need to open a banking or fintech app to complete a transaction, embedded finance brings financial services directly into the existing customer journey.<\/p>\n<p><b>Examples include:<\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Gojek\/Grab:<\/b> Paying for food or transportation directly within the app without opening a separate mobile banking app.<\/li>\n<li aria-level=\"1\"><b>Marketplaces:<\/b> Paying for purchases while choosing PayLater or installment options during checkout.<\/li>\n<li aria-level=\"1\"><b>Travel platforms:<\/b> Paying for a ticket while purchasing travel insurance within the same platform.<\/li>\n<\/ul>\n<p>Simply put, <b>embedded finance brings financial services to where customers already need them.<\/b><\/p>\n<p><b>Also Read:<\/b><a href=\"https:\/\/faspay.co.id\/en\/blog\/payment-gateway-for-mobile-apps\/\"> <b>Payment Gateway for Mobile Apps: A Complete Guide<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Is_Embedded_Finance_a_Business_Opportunity\"><\/span>\n\t\t\tWhy Is Embedded Finance a Business Opportunity?\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>Changing consumer behavior is one of the key drivers behind embedded finance.<\/p>\n<p>Customers are increasingly accustomed to completing different activities within digital ecosystems. They expect transactions to be fast, convenient, and require as few unnecessary steps as possible.<\/p>\n<p>For businesses, this creates an opportunity to make financial services part of the customer experience while creating additional value.<\/p>\n<p>Here are three reasons why businesses should pay attention to embedded finance.<\/p>\n<h3><b>1. Create a More Seamless Customer Experience<\/b><\/h3>\n<p>Every additional step in a transaction can create friction.<\/p>\n<p>Embedded finance allows payment and other financial services to be integrated directly into a platform&#8217;s primary user journey. Customers can complete their financial needs without leaving the platform they are already using.<\/p>\n<p>For digital businesses, this can create a simpler and more seamless customer experience.<\/p>\n<h3><b>2. Open New Revenue Opportunities<\/b><\/h3>\n<p>Embedded finance is not only about making transactions more convenient.<\/p>\n<p>When financial services become part of a platform, businesses can develop new products and revenue models through services such as payments, lending, insurance, or financial management.<\/p>\n<p>This allows non-financial companies to expand their value proposition without necessarily becoming financial institutions themselves.<\/p>\n<p>In practice, businesses often work with banks, fintech companies, payment service providers, or technology providers that provide the necessary financial infrastructure.<\/p>\n<h3><b>3. Use Transaction Data to Understand Customers<\/b><\/h3>\n<p>Financial transactions can generate valuable insights into customer behavior and purchasing patterns.<\/p>\n<p>However, financial data must be handled responsibly. Businesses need to consider applicable regulations, data security, privacy, and user consent when collecting and using financial information.<\/p>\n<p>This makes technology, governance, and compliance just as important as product innovation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Embedded_Finance_Opportunities_in_Indonesia\"><\/span>\n\t\t\tEmbedded Finance Opportunities in Indonesia\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>Indonesia&#8217;s growing digital payment ecosystem provides a strong foundation for the development of embedded finance.<\/p>\n<p>Bank Indonesia recorded <b>5.22 billion digital payment transactions in May 2026<\/b>, growing 28.14% year-on-year. During the same period, QRIS transactions grew by 95.10% year-on-year.<\/p>\n<p>The continued growth of digital payments indicates that cashless transactions are becoming increasingly integrated into everyday economic activities.<\/p>\n<p>For businesses, embedded finance opportunities can emerge across several industries.<\/p>\n<h3><b>E-commerce and Marketplaces<\/b><\/h3>\n<p>Marketplaces can integrate payments, refunds, financing, and financial services for sellers into a single ecosystem.<\/p>\n<p>The more activities customers and sellers conduct within a platform, the greater the opportunity to provide relevant financial services at the right point in the customer journey.<\/p>\n<h3><b>SaaS and Business Platforms<\/b><\/h3>\n<p>Business software also has significant potential for embedded finance.<\/p>\n<p>For example, accounting software can integrate invoice or supplier payments, while point-of-sale platforms can connect transactions with financial services for merchants.<\/p>\n<p>This means software can go beyond helping businesses record transactions-it can also help them complete those transactions.<\/p>\n<h3><b>Travel and Hospitality<\/b><\/h3>\n<p>The travel industry involves a long customer journey with multiple financial touchpoints.<\/p>\n<p>Payments, refunds, installments, travel insurance, and other financial services can become part of the same digital ecosystem.<\/p>\n<p>Embedded finance allows these services to be offered at the moment customers need them, such as when purchasing a ticket or completing a booking.<\/p>\n<h3><b>Platforms for MSMEs<\/b><\/h3>\n<p>Micro, small, and medium enterprises (MSMEs) are another promising area for embedded finance.<\/p>\n<p>Platforms already used by MSMEs to run their businesses can integrate payments, invoicing, transaction management, or financing into the same experience.<\/p>\n<p>As a result, financial services become part of the tools businesses already rely on rather than a separate service they need to access elsewhere.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Payment_Gateways_as_a_Foundation_for_Embedded_Finance\"><\/span>\n\t\t\tPayment Gateways as a Foundation for Embedded Finance\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p>A payment gateway is technology that connects businesses, customers, and payment providers so digital transactions can be processed securely. Simply put, a payment gateway acts as a bridge that securely transmits transaction information to the relevant payment processor and returns the transaction status to the business.<\/p>\n<p><b>Also Read:<\/b><a href=\"https:\/\/faspay.co.id\/en\/blog\/how-a-payment-gateway-works\/\"><b> How a Payment Gateway Works Behind Every Online Transaction<\/b><\/a><\/p>\n<h3><b>How Does a Payment Gateway Work?<\/b><\/h3>\n<p>A typical payment gateway transaction involves several steps:<\/p>\n<ol>\n<li aria-level=\"1\"><b>The customer chooses a payment method<\/b> at checkout, such as a card, virtual account, e-wallet, or QRIS.<\/li>\n<li aria-level=\"1\"><b>The payment gateway securely transmits the transaction data<\/b> to the relevant payment system for processing.<\/li>\n<li aria-level=\"1\"><b>The payment is validated and processed<\/b> according to the selected payment method.<\/li>\n<li aria-level=\"1\"><b>The transaction status is sent back to the business<\/b>, indicating whether the payment was successful, failed, or is still being processed.<\/li>\n<\/ol>\n<p>Most of this happens behind the scenes. From the customer&#8217;s perspective, the experience may simply look like selecting a payment method, completing the payment, and receiving confirmation.<\/p>\n<p><b>Also Read: <\/b><a href=\"https:\/\/faspay.co.id\/en\/blog\/payment-gateway-for-business\/\"><b>Understanding Payment Gateway for Businesses<\/b><\/a><\/p>\n<h3><b>How Does a Payment Gateway Enable Embedded Finance?<\/b><\/h3>\n<p>This is where a payment gateway becomes an important part of the <b>embedded finance<\/b> ecosystem.<\/p>\n<p>For financial services to be embedded into a digital platform, businesses need infrastructure that can connect their platform with different payment systems without disrupting the customer journey.<\/p>\n<p>Payment gateways provide this connectivity through <b>APIs and payment integrations<\/b>, allowing businesses to connect with multiple payment methods without building each integration from scratch.<\/p>\n<p>As a result, payment can become a natural part of the customer journey-whether customers are using a website, mobile application, marketplace, or business platform.<\/p>\n<p><b>In short, embedded finance creates the integrated financial experience, while payment gateway infrastructure helps make seamless digital payments possible within that experience.<\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>\n\t\t\tConclusion\t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t<p><b>Embedded finance<\/b> gives businesses an opportunity to make financial services more convenient, integrated, and relevant to the customer journey. With the right payment infrastructure, businesses can reduce friction while creating a more seamless transaction experience.<\/p>\n<p>As a payment gateway, <b>Faspay<\/b> helps businesses accept multiple payment methods through a single integration.<\/p>\n<p><strong>Visit Faspay and<a href=\"https:\/\/faspay.co.id\/id\/daftar\/\"> register your business as a merchant<\/a><\/strong> to explore a secure and reliable payment gateway solution for your business.<\/p>\n\t\t\t<a href=\"https:\/\/faspay.co.id\/id\/daftar\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tRegister Now\n\t\t\t\t\t<\/a>\n<h3>\n\t\t\tLihat Artikel Lainnya\t<\/h3>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover how embedded finance is creating new business opportunities and transforming the way customers pay!<\/p>\n","protected":false},"author":37,"featured_media":72343,"comment_status":"closed","ping_status":"open","sticky":false,"template":"tpl-full-width.php","format":"standard","meta":{"footnotes":""},"categories":[410,538,592],"tags":[],"class_list":["post-72334","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-faspay-update","category-insights"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72334","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/comments?post=72334"}],"version-history":[{"count":3,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72334\/revisions"}],"predecessor-version":[{"id":72341,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/posts\/72334\/revisions\/72341"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media\/72343"}],"wp:attachment":[{"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/media?parent=72334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/categories?post=72334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/faspay.co.id\/en\/wp-json\/wp\/v2\/tags?post=72334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}