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# January 2023 Embedded Finance News
- URL: https://www.embeddedfinancereview.com/january-2023-embedded-fintech-news/
- Published: 2023-05-11T19:59:35.000Z
- Updated: 2025-11-16T21:03:17.000Z
- Description: News on Railsr, Marqeta and Falcon plus insights on community banks, fintech partnerships, and embedded finance impact on traditional banks.
- Author: Lars Markull
- Tags: Newsletter

January was a busy month for Embedded Finance. I hope you enjoy the edition and would highly appreciate any feedback you might have.

Sunny greetings from Mumbai 🇮🇳

📬 Thanks to the 23 new subscribers since the last post. Do you know a friend or coworker who is interested in Embedded Finance? Please share Embedded Finance Review with them.

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### Europe

🇪🇺 Research: European SMEs [trust](https://thepaypers.com/online-mobile-banking/research-european-smes-trust-baas-will-overtake-traditional-banking--1259708?ref=embeddedfinancereview.com) BaaS will overtake traditional banking

🇪🇺 Santander, Allianz Trade & Two partner to [provide](https://www.two.inc/post/allianz-trade-x-santander-cib-x-two-the-new-b2b-bnpl-partnership?ref=embeddedfinancereview.com) B2B BNPL to large multinational corporations

🇬🇧 African payments giant Flutterwave vies to [buy](https://news.sky.com/story/african-payments-giant-flutterwave-vies-to-buy-british-fintech-railsr-12783315?ref=embeddedfinancereview.com) British fintech Railsr. Flutterwave [eyes](https://www.finextra.com/newsarticle/41580/flutterwave-eyes-up-railsr?ref=embeddedfinancereview.com) up Railsr.

🇬🇧 Soldo [selected](https://www.finextra.com/pressarticle/95379/soldo-selected-as-supplier-for-crown-commercial-service-pre-paid-cards?ref=embeddedfinancereview.com) as supplier for Crown Commercial Service pre-paid cards

🇬🇧UK B2B SMEs [missing](https://www.retailtimes.co.uk/uk-b2b-smes-missing-out-on-opportunity-to-use-embedded-finance-research-shows/?ref=embeddedfinancereview.com) out on opportunity to use embedded finance, research shows

🇬🇧 Lloyds [invests](https://www.finextra.com/newsarticle/41680/lloyds-invests-4m-in-driving-payments-app-caura?ref=embeddedfinancereview.com) £4m in driving payments app Caura

🇬🇧 Sage and Equifax [combine](https://www.finextra.com/pressarticle/95477/sage-and-equifax-combine-to-help-uk-employees-take-the-pain-out-of-life-admin?ref=embeddedfinancereview.com) to help UK employees take the pain out of life admin

🇬🇧 Embedded business finance platform Liberis secures €30 million in debt funding for European expansion.

🇩🇪 Solaris may only [accept](https://thepaypers.com/online-mobile-banking/solaris-may-only-accept-new-customers-with-bafins-permission--1259947?ref=embeddedfinancereview.com) new customers with BaFin's permission

🇩🇪 Cover Genius [Partners](https://covergenius.com/cover-genius-partners-with-hometogo-to-provide-embedded-protection-for-short-term-rentals/?ref=embeddedfinancereview.com) with HomeToGo to Provide Embedded Protection for Short-Term Rentals

🇩🇪 Plug-and-Play Finance provider Dock Financial [swallows](https://www.startbase.com/news/dock-financial-schluckt-compeon/?ref=embeddedfinancereview.com) SME lending platform Compeon

🇫🇮 Enfuce [works](https://www.finextra.com/pressarticle/95372/enfuce-works-with-orka-ventures-to-launch-new-card-product-across-the-nordics?ref=embeddedfinancereview.com) with Orka Ventures to launch new card product across the Nordics

🇫🇮 [Welcome.Place](http://welcome.place/?ref=embeddedfinancereview.com) [launches](https://www.finextra.com/pressarticle/95318/welcomeplace-launches-refugee-first-aid-card-pilot-in-france-with-enfuce-epassi--visa?ref=embeddedfinancereview.com) refugee 'First Aid' card pilot in France with Enfuce, Epassi & Visa

🇨🇭 Temenos [expands](https://www.finextra.com/pressarticle/95552/temenos-expands-baas-capabilities?ref=embeddedfinancereview.com) BaaS capabilities

🇪🇸 Inversis [places](https://www.finextra.com/pressarticle/95383/inversis-places-pecunpay-as-the-first-e-money-institution-in-the-spanish-payments-system?ref=embeddedfinancereview.com) Pecunpay as the first e-money institution in the Spanish payments system

![](https://www.embeddedfinancereview.com/content/images/media-beehiiv-com/cdn-cgi/image/fit=scale-down-format=auto-onerror=redirect-quality=80/uploads/asset/file/fcf3ef18-b49d-4091-9218-8b9caaa75729/image.jpg)

### North America

🇺🇸 The BaaS Association [names](https://www.fintechfutures.com/2023/01/the-baas-association-names-first-ceo-bill-briggs/?ref=embeddedfinancereview.com) first CEO, Bill Briggs

🇺🇸 Jobber [Says](https://www.pymnts.com/gig-economy/2023/home-services-marketplace-finds-credit-is-key-workers-cash-flow-crunch/?ref=embeddedfinancereview.com) Embedded Finance Builds Cash Flow Confidence for Home Services Businesses

🇺🇸 Marqeta [makes](https://www.americanbanker.com/payments/news/marqeta-makes-a-275-million-bet-on-embedded-finance?ref=embeddedfinancereview.com) a $275 million bet on embedded finance

🇺🇸 Blue Ridge Bank [names](https://www.finextra.com/pressarticle/95321/blue-ridge-bank-names-fed-staffer-muetzel-as-fintech-president?ref=embeddedfinancereview.com) Fed staffer Muetzel as fintech president

🇺🇸 Suppli [Raises](https://www.pymnts.com/news/investment-tracker/2023/suppli-raises-3-1m-to-grow-ar-platform-for-construction-industry/?ref=embeddedfinancereview.com) $3.1M to Grow AR Platform for Construction Industry

🇺🇸 Method - A Provider For Embedding Repayment, Balance Transfers And Bill Pay Automation - [Closes](https://www.finsmes.com/2023/01/method-closes-16m-series-a-funding.html?ref=embeddedfinancereview.com) $16M Series A Funding

🇺🇸 Axiom Bank [partners](https://thepaypers.com/digital-identity-security-online-fraud/axiom-bank-partners-with-cable--1259945?ref=embeddedfinancereview.com) with Cable to automate financial crime compliance development for the bank’s fintech program

### Asia

🇮🇳 Yes Bank [partners](https://thepaypers.com/online-mobile-banking/yes-bank-partners-falcon-to-tap-into-the-embedded-finance-market--1259665?ref=embeddedfinancereview.com) Falcon to tap into the embedded finance market

🇨🇳 ByteDance [Pushes](https://fintechranking.com/2023/01/05/bytedance-pushes-into-payments-with-help-from-j-p-morgan/?ref=embeddedfinancereview.com) Into Payments With Help From J.P. Morgan

### LatAm

🇧🇷 Dock [Launches](https://www.pymnts.com/news/b2b-payments/2023/dock-launches-platform-offering-financial-services-in-latin-america/?ref=embeddedfinancereview.com) Platform Offering Financial Services in Latin America

### Insightful reads

📈 Embedded Finance [Fuels](https://thefinancialbrand.com/news/loan-growth/embedded-finance-fuels-growth-in-choppy-economy-heres-how-to-start-158133/?ref=embeddedfinancereview.com) Growth in Choppy Economy — Here’s How to Start (Jonathan Zell, McKinsey)

🔮 Embedded Finance Predictions: [insights](https://research.aperture.co/wp-content/uploads/2021/04/Prediction-paper%5FV02-1.pdf?ref=embeddedfinancereview.com) into a fast-evolving market (aperture)

🔚 Embedded Finance Will [End](https://www.forbes.com/sites/davidbirch/2023/01/11/embedded-finance-will-end-traditional-banking-actually-yes/amp/?ref=embeddedfinancereview.com) Traditional Banking? Actually... Yes! (David Birch)

💰 Banking-as-a-Service [Delivers](https://www.pymnts.com/news/banking/2023/banking-as-a-service-delivers-new-deposits-for-banks/?ref=embeddedfinancereview.com) New Deposits for Banks (Chris Dean, Treasury Prime)

🏦 How Community Banks Can [Stay](https://www.treasuryprime.com/blog/embedded-banking-experience?ref=embeddedfinancereview.com) Competitive with Embedded Banking (Patrick Wong, Treasury Prime)

🛫 [Are](https://www.linkedin.com/pulse/we-still-beginning-embedded-finance-revolution-taner-akcok/?ref=embeddedfinancereview.com) we still at the beginning of “Embedded Finance” revolution? (Taner Akcok, Deutsche Bank)

💡Embedded finance to [lead](https://www.fintechfutures.com/2023/01/embedded-finance-to-lead-the-way-in-2023-fintech-innovation/?ref=embeddedfinancereview.com) the way in 2023 fintech innovation (Chris O’Neill, Xero)

👫 How the role of partnerships is [changing](https://tearsheet.co/embedded-finance/how-the-role-of-partnerships-is-changing-in-the-embedded-finance-ecosystem/?ref=embeddedfinancereview.com) in the embedded finance ecosystem (Sara Khairi, Tearsheet)

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