Embedded Finance Investments Climb Despite Rising Risks and Uncertainty
Business Wire•15/10/2026•08:00 ET
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Key Highlights
- ➤91% of leaders plan to increase embedded finance investments over three years
- ➤89% say BaaS and embedded finance moderately or strongly drive growth and competitiveness
- ➤74% say embedded finance risks increased over the past two years
- ➤97% report at least one major integration barrier, led by security and privacy concerns
- ➤Fraud monitoring and identity verification lead expected agentic AI financial functions
Expert Statements
Renata Caine, Senior vice president and general manager, embedded finance at Green Dot
“Embedded finance is creating meaningful opportunities for companies to grow, differentiate and deepen customer relationships, but those opportunities come with real responsibility”
Renata Caine, Senior vice president and general manager, embedded finance at Green Dot
“With AI agents moving into fraud and identity, regulatory expectations evolving, and data security top of mind, the companies that win will be the ones building on a foundation of trust, compliance and clear accountability.”
Renata Caine, Senior vice president and general manager, embedded finance at Green Dot
“Leaders are right to see embedded finance as a powerful growth lever, but growth cannot come at the expense of trust”
Renata Caine, Senior vice president and general manager, embedded finance at Green Dot
“The most successful partnerships will be built on a clear understanding of risk, strong compliance and customer protections, and a shared commitment to delivering financial experiences that are secure, reliable and useful.”
Embedded Finance Investments Climb Despite Rising Risks and Uncertainty
New study from Green Dot and Wakefield Research finds more than nine in 10 leaders plan to increase investments despite growing uncertainty around security, regulation, agentic AI and more
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