Hi Embedded Finance Friend
April was a big month for EFR Events. On April 15th, we hosted EFR Event #9 in Berlin. This was our biggest ever, with 240 people at Alice Rooftop. Thank you to everyone who came. If you missed it, you can find the full recap here and a short video here.
Next stop: Frankfurt. On May 21st, we're hosting EFR Event #10 at TechQuartier as part of the Digital Finance Accelerator. Two sponsors, two very different infrastructure challenges: Thunes on cross-border payment rails and Copla on compliance for fintech builders. Join us for talks, networking, dinner and drinks: Register here.
And now let's dive in 👇
Launching a branded card is one thing. Turning it into revenue is another. On May 6th, I'm joining Alexander Snurnitsyn (Beneflo) and Wallester's team to break down how platforms actually make money with embedded cards: Register here.
News
In April, I covered 7 Embedded Finance stories. Click through to read the full versions on my website (sorted by views):
- Kleinanzeigen migrates Secure Payment from OPP to Adyen, taking direct control of payment processing and fraud prevention for Germany's largest classifieds marketplace. (EFR)
- efood launches efood Capital with finmid, giving 21,000 Greek restaurant partners access to up to €30,000 in under 48 hours based on platform transaction data. (EFR)
- SpareBank 1 Østlandet integrates Froda Embedded into its banking app. Froda's first traditional bank partnership was one of Europe's earliest. (EFR)
- OpenAI acquired personal finance app Hiro, its second fintech acquisition in months. What does this mean for banks and fintechs if ChatGPT becomes the financial planning interface? (EFR)
- Hokodo, a European B2B BNPL provider, has shut down after eight years. Founders published an unusually candid post-mortem of what went wrong. (EFR)
- TikTok applied for payment and credit licences in Brazil. EFR has followed this story since 2023. Here is what it means and where it is heading. (EFR)
- Canva added PayPal Payment Links to its Marketplace. A good first step, but the case for a fully embedded payments product is already there. (EFR)
Podcast
In April, I published one podcast episode. Click through for details and links to all platforms:
- Jane Podbelskaya advises North American software companies on embedded finance. We compare notes across continents on investors, AI, and vendor selection. (EFR)
Thank you for reading. I hope you enjoyed this edition.
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And if you need help understanding, building, or launching an embedded finance product, visit my website and get in touch.
Best wishes from Berlin,
Lars Markull (LinkedIn)
