PYMNTS.com · 19 Oct, 17:21 · Finance briefing

Embedded Finance Tracker® – May 2022

The May 2022 edition of the Embedded Finance Tracker, published by PYM published by PYMNTS.com, provides a comprehensive overview of developments within the embedded finance sector.

What it means for you ↓ Courses for this story

28%average pay gap between certified and uncertified finance staff

2.4xfaster promotion with a professional credential

83%of finance leaders rank upskilling a top-3 priority

20days to your first credential

The briefing

The story
in brief.

What happened, who it affects, and why it landed on our intelligence desk — in plain English, sixty seconds or less.

The May 2022 edition of the Embedded Finance Tracker, published by PYM published by PYMNTS.com, provides a comprehensive overview of developments within the embedded finance sector. This report details how financial services are increasingly being integrated directly into non-financial platforms, such as e-commerce sites and software providers. It highlights key trends in partnerships, regulatory updates, and market growth during this period. For professionals, the data offers factual insights into the accelerating adoption of banking-as-a-service models and the shifting landscape of digital payments, reflecting broader structural changes in how financial transactions are conducted across various industries.

Employer demand for AI in Banking skills — indexed growth since 2019
Indicative index of skill mentions in professional job postings for the field this story moves (2019 = 1)

Your move

What this means
for your career.

Every headline redistributes opportunity. Here is who this one rewards — and how to be on the right side of it.

You should recognise that embedded finance is no longer a niche trend but a core business strategy. Professionals in fintech, software development, and traditional banking must adapt quickly. Skills in API integration, regulatory compliance, and customer experience design are rising sharply in value. If you work in technology, focus on understanding how financial products function within non-financial ecosystems. For those in marketing or sales, learn how to articulate the value of seamless financial integration to clients. A smart professional would now audit their current skill set against these emerging requirements. Consider upskilling in data analytics to track user behaviour within these integrated platforms. Networking with peers in both tech and finance sectors will also provide crucial insights into cross-industry collaboration opportunities that drive career advancement in this evolving market.

For this story, the fields that convert it into pay are AI in Banking, Cyber Security, Data Science and Finance and Accounting — exactly the programmes matched below. The chart shows the indicative salary uplift certified professionals report in each of those fields; every one of them is a click away, from £79, finishing in as few as 20 days.

Indicative salary uplift in the fields matched to this story
Indicative ranges from published continuing-education salary studies, by field — each field is a recommended course below

Matched to this story

Enrol in these
to benefit.

These programmes position you for exactly this shift — online, self-paced, and finishing with a verifiable certificate you can share the day you pass.