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Oliver Buchannon
Lars Markull

Helping companies design & launch financial products. Founder of Embedded Finance Review.

Newsletter

Bad Week for Embedded Finance? ING-Amazon Split & Intergiro License Loss Explained

Jun 24, 2025

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8 min read

Bad Week for Embedded Finance? ING-Amazon Split & Intergiro License Loss Explained

Embedded finance reality check: Why ING-Amazon split, what Intergiro's license loss means, and how European payment providers are fighting back.

Lars Markull
Lars Markull

Newsletter

My Virtual Event Experiment Continues + ToolTime's Embedded Payments Growth Signals

Jun 17, 2025

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7 min read

My Virtual Event Experiment Continues + ToolTime's Embedded Payments Growth Signals

Following up on my first virtual embedded finance event success (26/37 attendees!) plus analyzing ToolTime's €2B invoice volume and what Adyen's case study reveals about embedded payments adoption in Germany's craft industry.

Lars Markull
Lars Markull

Podcast

Embedded Lending: Build vs. Buy - A Founder's Hard-Won Lessons with Mark Hollemann

Jun 12, 2025

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4 min read

Embedded Lending: Build vs. Buy - A Founder's Hard-Won Lessons with Mark Hollemann

Learn when to build vs buy embedded lending solutions. Mark Hollemann shares hard-won lessons from founding a $1 million ARR lending platform that ultimately shut down.

Lars Markull
Lars Markull

Newsletter

Exclusive: Shopify Capital Quietly Expands to Europe

Jun 10, 2025

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7 min read

Exclusive: Shopify Capital Quietly Expands to Europe

Shopify Capital expands to the UK & Germany, Banxware transitions to forward flow model with €10M funding, and Shuttel launches Visa Fleet mobility cards.

Lars Markull
Lars Markull

Newsletter

Why telecoms are giving up on banking (but e-commerce isn't)

Jun 3, 2025

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9 min read

Why telecoms are giving up on banking (but e-commerce isn't)

From Orange Bank's exit to Mercado Libre's digital banking ambitions and Sage's embedded accounting expansion - why e-commerce beats telecoms in finance.

Lars Markull
Lars Markull

Podcast

Accountable built an embedded banking product because PSD2 failed them with Tino Keller

May 28, 2025

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4 min read

Accountable built an embedded banking product because PSD2 failed them with Tino Keller

Tino Keller shares how Accountable launched an embedded banking product for freelancers after PSD2 and open banking failed to deliver a smooth user experience.

Lars Markull
Lars Markull

Newsletter

Join the Debate: Retailers in Embedded Finance | Lending Moves from Glovo & Ageras

May 27, 2025

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8 min read

Join the Debate: Retailers in Embedded Finance | Lending Moves from Glovo & Ageras

Join our first virtual event on retailers in Embedded Finance. Plus, read about new embedded lending deals from Glovo and Ageras — and what Seccl’s funding says about the future of embedded investing.

Lars Markull
Lars Markull

Newsletter

eBay's embedded lending offering is coming to Germany

May 20, 2025

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10 min read

eBay's embedded lending offering is coming to Germany

eBay partners with YouLend for German merchant lending, Juuli launches freelancer credit cards, and former B2C fintech Auric transforms into an infrastructure provider. Plus industry insights and upcoming events for embedded finance professionals.

Lars Markull
Lars Markull

Newsletter

Beyond Software: allO and Circula's Embedded Finance Journey

May 13, 2025

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8 min read

Beyond Software: allO and Circula's Embedded Finance Journey

Explore how restaurant software provider allO and expense management platform Circula are transforming their business models through innovative embedded finance solutions, blurring the lines between traditional software and financial services.

Lars Markull
Lars Markull

Newsletter

Is Mollie's Dependence on Qonto a Smart Move or a Risky Bet?

May 6, 2025

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11 min read

Is Mollie's Dependence on Qonto a Smart Move or a Risky Bet?

Discover the evolution of merchant wallets, Swiss embedded finance innovations, and strategic fintech partnerships in our latest newsletter. Learn about Starbucks' wallet success, Homie's deposit solution with Hypothekarbank Lenzburg, and Mollie's integration with Qonto, plus upcoming industry events.

Lars Markull
Lars Markull

Podcast

From Starbucks' Wallet 1.0 to Merchant Wallets 2.0 with Arda Cagaptay

May 1, 2025

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3 min read

From Starbucks' Wallet 1.0 to Merchant Wallets 2.0 with Arda Cagaptay

From Starbucks' $1.7B Wallet 1.0 to next-gen Merchant Wallets 2.0: Arda Cagaptay breaks down the evolution of wallets, how merchants can drive loyalty and revenue, and what’s next in embedded finance.

Lars Markull
Lars Markull

Newsletter

Visma Acquires Accountable: A Step Towards Embedded Finance & BMW's New Embedded Insurance with Qover

Apr 29, 2025

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10 min read

Visma Acquires Accountable: A Step Towards Embedded Finance & BMW's New Embedded Insurance with Qover

Visma acquires Accountable, signaling a move towards embedded finance. Plus, BMW and Mini Ireland launch embedded car insurance with Qover, and Froda secures $23M in Series B funding. Stay updated with the latest industry news, provider spotlights, and event updates.

Lars Markull
Lars Markull

Newsletter

Pliant's Insurance Card Play & Rakuten Acquires BaaS Technology

Apr 22, 2025

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11 min read

Pliant's Insurance Card Play & Rakuten Acquires BaaS Technology

Pliant acquires Hi.Health to expand into insurance card solutions, while Rakuten picks up Dock Financial’s BaaS technology for a potential European push. BKN301 raises €21.5M to grow its Banking-as-a-Service platform from MENA to Europe. Plus: Thokmandee launches B2B BNPL for wholesale, and HBX Group debuts a B2B eWallet for the travel industry.

Lars Markull
Lars Markull

Podcast

What's next for Banking-as-a-Service in Europe and Saudi Arabia with Sophie Guibaud

Apr 17, 2025

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4 min read

What's next for Banking-as-a-Service in Europe and Saudi Arabia with Sophie Guibaud

Explore the evolution of Banking as a Service with Fintech expert Sophie Guibaud, who shares insights on traditional banks entering BaaS and Saudi Arabia's ambitious Vision 2030 plan to build a thriving FinTech ecosystem.

Lars Markull
Lars Markull

Newsletter

Ryft raises £5.7M for Embedded Payments + Highlights from our biggest Berlin Event yet

Apr 15, 2025

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7 min read

Ryft raises £5.7M for Embedded Payments + Highlights from our biggest Berlin Event yet

European payment provider Ryft raises £5.7M, Weavr expands EU offerings with B4B Payments, plus updates on Toqio's design studio, Mondu's partnerships, Stripe's banking license application, and Airwallex's expansion plans.

Lars Markull
Lars Markull

Event

Recap of our 6th Embedded Finance Review Event in Berlin

Apr 15, 2025

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6 min read

Recap of our 6th Embedded Finance Review Event in Berlin

Our latest Berlin event showcased embedded finance innovations across three diverse sectors: property management, freelancer accounting, and corporate expenses, with insights from Getmomo, Accountable, and Circula on implementing successful financial products.

Lars Markull
Lars Markull

Newsletter

Visa's $100M Bid for Apple Card + New SaaS Embedded Finance Survey Reveals Payment Trends

Apr 8, 2025

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7 min read

Visa's $100M Bid for Apple Card + New SaaS Embedded Finance Survey Reveals Payment Trends

Visa's $100M Apple Card bid, travel payment innovations with 1-CP's Eric-Jan Krausch, and key insights from the SaaS Embedded Finance Survey revealing payment and lending trends. Plus: Berlin event highlights and upcoming fintech gatherings across Europe.

Lars Markull
Lars Markull

Podcast

The Complex World of Travel Payments with Eric-Jan Krausch of 1-CP

Apr 3, 2025

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6 min read

The Complex World of Travel Payments with Eric-Jan Krausch of 1-CP

Discover the complex world of travel industry payments with Eric-Jan Krausch, founder of 1-CP. Learn how virtual cards, payment structures, and embedded finance innovations transform the travel sector's B2B landscape. Explore the challenges of legacy systems and the opportunities in modernizing travel payment infrastructure.

Lars Markull
Lars Markull

Newsletter

Qonto Launches Embedded Banking Offering

Apr 1, 2025

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6 min read

Qonto Launches Embedded Banking Offering

Explore Qonto's new embedded banking solution competing with traditional BaaS providers, plus access my comprehensive 4500+ word Embedded Finance Primer covering strategies, examples, and revenue models. Stay updated on the latest embedded finance partnerships and upcoming industry events.

Lars Markull
Lars Markull

Knowledge

The Complete Embedded Finance Primer: Strategies, Examples, and Revenue Models

Mar 27, 2025

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27 min read

The Complete Embedded Finance Primer: Strategies, Examples, and Revenue Models

Learn what Embedded Finance truly means, how it differs from Fintech, and the 5 key financial products that can be embedded. Discover revenue models, implementation strategies, and what makes Embedded Finance products successful for non-financial brands.

Lars Markull
Lars Markull

Newsletter

Dutch Bookkeeping Tool Launches Banking + $33M BaaS Funding in MENA

Mar 25, 2025

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8 min read

Dutch Bookkeeping Tool Launches Banking + $33M BaaS Funding in MENA

Discover the latest embedded finance trends: Snelstart partners with Flow and Adyen for bookkeeping banking integration, NymCard raises $33M Series B in MENA, plus upcoming fintech events in London, Berlin, Helsinki, and Frankfurt. Expert analysis on embedded finance solutions for real business problems

Lars Markull
Lars Markull

Podcast

Jobs To Be Done - Why Embedded Finance Must Solve Real Problems with Paul Staples

Mar 20, 2025

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4 min read

Jobs To Be Done - Why Embedded Finance Must Solve Real Problems with Paul Staples

Paul Staples, former HSBC and ClearBank exec, reveals why embedded finance success requires solving real customer problems, not just brand power. Key insights on fintech evolution and banking adaptation strategies.

Lars Markull
Lars Markull

Newsletter

Metro's Embedded Finance Defeat: Why Most Retailers Can't Make Banking Work

Mar 18, 2025

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8 min read

Metro's Embedded Finance Defeat: Why Most Retailers Can't Make Banking Work

Explore Metro's embedded finance shutdown, Maltese insurance company Laferla entering banking, and Vorwerk's embedded insurance strategy in this week's Embedded Finance Review.

Lars Markull
Lars Markull

Newsletter

Lexware Expands Financing Stack + Airwallex Targets Creators

Mar 11, 2025

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8 min read

Lexware Expands Financing Stack + Airwallex Targets Creators

Lexware adds Youlend to its financing partners; Airwallex launches new products tailored for the creator economy and UniCredit's strategic acquisition in the banking-as-a-service market.

Lars Markull
Lars Markull

Podcast

Reinventing Banking for Property Managers - with Enrique Sanchez from Aareon Spain

Mar 6, 2025

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3 min read

Reinventing Banking for Property Managers - with Enrique Sanchez from Aareon Spain

Discover how Aareon Spain revolutionizes property management finance with an innovative embedded banking solution. Streamline operations, reduce costs, and gain intelligent financial insights for homeowners associations.

Lars Markull
Lars Markull
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