Fintech as a Service Market Forecasted to Reach USD 1.82 Trillion by 2035 Driven by Rising Demand for Embedded Finance, Digital Banking, and Scalable Cloud-Based Solutions

Ottawa, Feb. 25, 2026 (GLOBE NEWSWIRE) -- According to Precedence Research, the global fintech as a service market size is evaluated at USD 484.71 billion in 2026 and is expected to attain around USD 1,825.64 billion by 2035, growing at a strong CAGR of 15.92% between 2026 and 2035.

The fintech as a service market is quickly becoming an attractive space for investors as the financial world goes through a major digital shift. Businesses today are moving towards flexible, API-driven solutions and open banking models to offer faster, smarter, and more seamless financial services.

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Fintech as a Service Market Key Points

Fintech as a service (FaaS) is the process of using advanced technology for automating financial services. The aspects of FaaS include money transfer, lending, InsurTech, payments, investment, RegTech, digital banking, financing, and wealth tech. It offers benefits like reduced overhead, improved security, financial inclusion, scalability, enhanced customer experience, increased innovation, and improved compliance. FaaS is widely used across applications like fraud prevention, cross-border transactions, integrating payment gateways, KYC compliance, and automated investing.

Finance is the process of managing money by utilizing activities like borrowing, forecasting, planning, and saving. The diverse types of finance are personal finance, corporate finance, and public finance. It is essential for stability, growth, resource allocation, and development. The diverse financial activities are investing, raising funds, accounting, and budgeting. The various sources of finance are debt financing, grants, equity financing, subsidies, and internal financing.

Private Industry Investments for Fintech as a Service

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What are the Key Trends of the Fintech as a Service Market?

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Fintech as a Service Market Opportunity

The growing adoption of stablecoins and the rising trading activities increase demand for FaaS. The growing expansion of the tokenization of assets and the increased institutional investment require FaaS. The strong focus on seamless conversion of digital assets and the need to ensure security of transactions increases adoption of FaaS.

The growing expansion of digital wallets and the growth in bank modernization increase demand for FaaS. The increased integration of digital wallets and the focus on treasury management increases adoption of FaaS. The growing digital assets create an opportunity for the growth of the fintech as a service industry.

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Fintech as a Service Market Regional Insights

How North America Dominated the Fintech as a Service Market?

North America dominated the market in 2025. The surging use of digital payments and the increased investment in cloud computing increases adoption of FaaS. The well-developed financial institutions and the shift towards contactless payments increase demand for FaaS. The increased investment in financial technology companies and the shift towards digital banking increases adoption of FaaS, driving the overall market growth.

How Big is the Size of the U.S. Fintech as a Service Market in 2026?

According to Precedence Research, the U.S. fintech as a service market size is valued at USD 135.72 billion in 2026 and is predicted to cross around USD 513.66 billion by 2035, accelerating at a significant CAGR of 15.97% from 2026 to 2035.

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U.S. Fintech as a Service Market Trends

The U.S. market is expanding rapidly as financial institutions and non-bank businesses adopt modular, API-driven platforms for banking, payments, lending, and compliance functions. Growth is fueled by rising digital banking usage, embedded finance integrations, and demand for real-time payments and seamless customer experiences.

Why is the Asia Pacific experiencing the Fastest Growth in the Fintech as a Service Industry?

Asia Pacific is experiencing the fastest growth in the market during the forecast period. The transition to digital wallets and the robust growth in digital lending increase demand for FaaS. The rise in open banking and the strong government support for digital banking increase the adoption of FaaS. The growing financial inclusion and the strong focus on seamless cross-border transactions require FaaS. The growing popularity of mobile wallets supports the overall market growth.

China Fintech as a Service Market Trends

China’s market is growing strongly as extensive digital payment adoption, smartphone penetration, and API-driven financial ecosystems accelerate demand for modular banking, payments, and lending services. China leads the Asia-Pacific region’s FaaS growth thanks to rapid e-commerce expansion and widespread use of mobile-first financial tools that embed finance into everyday digital platforms.

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Fintech as a Service Market Segmental Insights

Why Payment Segment Dominates the Fintech as a Service Market?

The payment segment dominated the fintech as a service industry in 2025. The need to enhance the experience of the customer and the surge in cross-border transactions increases adoption of FaaS. The robust expansion of embedded finance and the high volume of transactions require FaaS. The growing demand for flexible payment solutions and a strong focus on fraud detection drive the market growth.

How did the Blockchain Segment Dominate the Fintech as a Service Market?

The blockchain segment held the largest revenue share in the fintech as a service industry in 2025. The strong focus on lowering manual intervention and the need to minimize transaction costs increases demand for blockchain. The need for digital identity management and the growing number of financial institutions require blockchain. The high security, operational efficiency, high security, scalability, and high speed of blockchain drive the overall market growth.

Which End-Use Segment Dominated the Fintech as a Service Market?

The insurance segment dominated the market in 2025. The growing automation of document verification and the focus on detecting fraudulent claims increase demand for FaaS. The increased expansion of embedded finance and the rise in digital claims filing increases adoption of FaaS. The need to accelerate risk assessment and the focus on speeding up payouts increase demand for FaaS, driving the overall market growth.

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Top Companies in the Fintech as a Service Market & Their Offerings

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Originally published by GlobeNewswire Inc. on February 25, 2026.View original