Consumer payment behavior is already telling brands where to focus next: faster checkout, instant refunds, flexible repayment and richer rewards inside their own ecosystems.
The 2026 Galileo Integrated Financial Services Research Report, based on responses from a survey of more than 2,000 U.S. consumers and 150 senior leaders at major brands, reveals a strong demand for integrated financial services and serves as the ultimate brand decision guide, highlighting where demand is already strong and which use cases and product combinations deliver the most value to consumers and brands.
The research also identifies the frictions that must be addressed so brands can prioritize embedded finance investments, sequence product rollouts, choose the right partners, and treat integrated financial services as a core, revenue-generating part of their strategy.
In this report, you’ll learn:
Where everyday spend is shifting into brand apps and digital wallets, and the implications for co‑branded cards, wallets and payouts.
How inflation, rewards sensitivity and active payment switching are reshaping loyalty and share of wallet.
Why 100% of surveyed brands are pursuing integrated financial services, but 80% remain stuck in planning.
Which integrated finance use cases are breaking out first, from co‑branded debit and fast payouts to benefits payments and payroll‑linked accounts.
How leading brands are moving from one‑off pilots to multi‑product roadmaps that bundle payments, wallets, disbursements, savings and lending.
Access the full Galileo Integrated Financial Services Research Report to see the data, understand where peers are investing, and identify the steps to launch and scale integrated financial services.
