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Journals / Nevşehir Hacı Bektaş Veli Üniversitesi SBE Dergisi / 2026 / Cilt: 15 Sayı: 2

The embedded finance ecosystem: A systematic review and bibliometric analysis

Gömülü finans ekosistemi: Sistematik bir inceleme ve bibliyometrik analiz

Muhammed Mustafa Tuncer Çalışkan(BANDIRMA ONYEDİ EYLÜL ÜNİVERSİTESİ)0000-0001-7566-2138
Pages
734–756
Publication Date
2025-06-27
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

The research findings reveal that the embedded finance literature has grown rapidly in recent years under the influence of digital transformation and financial technologies.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:This article aims to analyze the embedded finance literature using a bibliometric methodology, evaluating trends, knowledge gaps, and geographical collaboration networks.
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Key Findings & Data:The study examines 781 articles published in the “Business Finance” category of the Web of Science (WoS) database, retrieved using the keyword "Embedded Finance." The distribution of these articles by year, citation intensities, author collaborations, and thematic focuses were comprehensively analyzed using the R programming language.
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Conclusion & Impact:The research findings reveal that the embedded finance literature has grown rapidly in recent years under the influence of digital transformation and financial technologies.
🔬Design:Araştırma Makalesi
📍Scope:Comprehensive Sample
⚙️Variables:Gömülü Finans · Bibliyometrik Analiz · Dijital Dönüşüm

Abstract

This article aims to analyze the embedded finance literature using a bibliometric methodology, evaluating trends, knowledge gaps, and geographical collaboration networks. The study examines 781 articles published in the “Business Finance” category of the Web of Science (WoS) database, retrieved using the keyword "Embedded Finance." The distribution of these articles by year, citation intensities, author collaborations, and thematic focuses were comprehensively analyzed using the R programming language. The research findings reveal that the embedded finance literature has grown rapidly in recent years under the influence of digital transformation and financial technologies. The thematic focus of the studies has shifted from traditional finance topics, such as risk management and option pricing, to modern areas like sustainability, artificial intelligence, and monetary policies. Geographical analyses highlight the central roles of the United States, China, and the United Kingdom in this literature and emphasize the significant contributions of international collaborations. Additionally, it was identified that knowledge gaps persist in areas such as sustainability, financial technologies, and regulatory policies, presenting notable opportunities for future research.

Özet

Bu makale, gömülü finans (Embedded Finance) literatürünü bibliyometrik bir metodolojiyle analiz ederek literatürdeki eğilimleri, bilgi boşluklarını ve coğrafi iş birliği ağlarını değerlendirmeyi amaçlamaktadır. Çalışmada, Web of Science (WoS) veri tabanında "Embedded Finance" anahtar kelimesiyle taranan ve “Business Finance” kategorisinde yayımlanan 781 makalenin yıllara göre dağılımı, atıf yoğunlukları, yazar iş birlikleri ve tematik odaklanmaları, R Programı aracılığıyla kapsamlı bir şekilde incelenmiştir. Araştırma bulguları, gömülü finans literatürünün dijital dönüşüm ve finansal teknolojilerin etkisiyle son yıllarda hızla büyüdüğünü ortaya koymaktadır. Çalışmaların tematik odaklarının, risk yönetimi ve opsiyon fiyatlandırması gibi geleneksel finans konularından sürdürülebilirlik, yapay zeka ve para politikaları gibi modern alanlara doğru kaydığı belirlenmiştir. Coğrafi analizler, ABD, Çin ve Birleşik Krallık’ın bu literatürdeki merkezi rolünü ve uluslararası iş birliklerinin literatüre yaptığı önemli katkıları vurgulamaktadır. Ayrıca, sürdürülebilirlik, finansal teknolojiler ve düzenleyici politikalar gibi alanlarda bilgi boşluklarının sürdüğü ve bu alanların gelecekteki araştırmalar için dikkate değer fırsatlar sunduğu tespit edilmiştir.

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Cite This Article

Çalışkan, M. M. T. (2025). The embedded finance ecosystem: A systematic review and bibliometric analysis. Nevşehir Hacı Bektaş Veli Üniversitesi SBE Dergisi, Cilt: 15 Sayı: 2, 734–756. https://doi.org/10.30783/nevsosbilen.1622502

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