Newsletter

Being an infrastructure provider is not easy. If things go well, nobody knows you. But if things go wrong... This week, three European banking-as-a-service providers and an US wallet provider have taken the stage and positioned themselves for new business. As a non-financial brand, you should know what they offer and how they differ.

Holiday Extras partners with checkout.com for a new virtual card solution, Xero extends their partnership with Modulr to lauch a payroll product and is Swedish lending provider Froda eyeing their first non-financial brand?

B2B software provider Zoho has launched their first financial product. Not very surprising they chose payments and start in their home market India. In Europe, the Swedish furniture retailer Ikea has announced a partnership with Adyen. While the announcement is not pure embedded finance, it is still relevant for the ecosystem.

In a new podcast episode, we learn about embedded lending around the world; Deutsche Bank partners with Upvest and shows us how banks can enter embedded finance, Delivery Hero launches lending products, an e-commerce giant issues their own stablecoin product and a new report highlights the state of mind of US sponsor banks.

The Italian regulator restricts new business of two fintech players, two digital platforms launch an embedded lending offering, a report describes the growth opportunity for embedded payouts, how much fintech will X be able to build, Apple finally opens access to iPhone's NFC and why is embedded finance so hot right now

We discuss Coop's decision to pull the plug on their banking product in our latest podcast. Additionally, ClearBank secures a Dutch banking licence, what will this mean for EU embedded finance? A new report brings some light on the rise of new infrastructure provider and Amazon launches co-branded credit cards in the UK and Germany.

Stripe partners with Fifth Third Bank for its treasury product, Sage partners with Stripe in the UK for an embedded payment product, Doordash extends its fintech offering from cards into payments and five learnings for banks from the Synapse bankruptcy.

Italian bank UniCredit acquired Polish banking infrastructure provider Vodeno and Belgian bank Aion Bank for € 370 million. Both companies are jointly offering a banking-as-a-service service product. Lars Markull speaks with embedded finance expert Shaul David about the acquisition in the newest edition of Embedded Finance Review Podcast.

A vertical SaaS launches a payment product; a marketplace and a sports aggregator launch a lending product; Enpal is entering embedded finance; a German supermarket launches an embedded insurance products and two European banking-as-a-service providers have received an update from their regulator about their onboarding limitations.

Amazon Germany might re-launch their popular credit card with a new bank partner soon, Adobe Commerce partners with Klarna, an HR software provider embeds payroll, a new embedded finance provider emerges in Switzerland and an embedded payment provider in the US is gaining momentum.

SAS partners with Danish neobank, Sainsbury's bank finds a new home, e-com infrastructure provider Ikas launches lending product, KLM launches payment product, Swan expands to Italy, Liberis and Payrail partner, Lemon Markets scores fintech deal and Stripe announces news products in France.

Swile switches infrastructure provider, Moco partners with Pliant for a new credit card offering, Sainsbury's partners with Klarna, Deel invest in an embedded finance player

A vertical SaaS closes Series A right after embedded lending launch, Stripe launches new products and opens office in the UK, Visa re-invents the card and an in-depth US BaaS report shares the history and potential future for the market.

Property investment platform launches embedded investment, Godaddy launches POS terminals, Freshbooks a new payment solution and a German bank partners with an embedded lending provider.

A vertical fintech launches in the movie industry, PrestaShop enables click to pay in partnership with Mastercard, JET expands mobile payments, Walmart partners with One for BNPL, Coupa with Bottomline and more.

We see embedded finance in many areas, but vertical SaaS companies are ideally positioned. Why is that? Addiitonally, we cover IKEA's acquisition of Ikano Bank, Amazon Germany is working on a new credit card as well as ClearBank is growing and expanding, Swan partnering with Wise and a lot more.

And Adobe Commerce partners with Adyen, ShopCircle launches funding for their e-commerce merchants, Walmart ends partnership with Capital One, Railsr is looking for an exit, MeaWallet launches card gateway and more.

SAP partners with Visa, Nationwide aims to buy Virgin Money, Amazon ceases its own underwriting and Uber launches the Uber Pro Card in Canada.

What does the major shift of Treasury Prime mean for the US BaaS landscape? Is Vodeno actually a good acquisition target for UniCredit? Plus news from Xero, Dayforce, Franklin, Griffin, Enfuce, Adyen and many more.

Mobile.de and a Slovenian city launch new payment products, Tesco sells its bank, Liberis and Sprinque announce new partnerships, Mollie and Visa introduce new products.

Messagebird wants to acquire an EMI, Club Employés and Circula launch an employee benefit card, BILL partners with Adyen and Apple perhaps never wanted to win the payment war.

Amazon faces critism for shutting its insurance store in the UK, healthcare provider in India can use a new embedded card solution, a new Embedded Finance report focusing on SaaS and marketplaces.

In the first edition of 2024, we cover also news from the embedders Tesla, Freshbooks, X, Sony, Rappi as well as infrastucture news from Adyen, Andaria and WealthKernel. Check out also the five jobs on the job board!

The first German city launches a social card, SAP Concur embeds virtual cards; Airbnb cooperates with Klarna and another bank makes losses on partnership with Apple.

Airline company SAS launches embedded insurance product, Apple reportedly breaks up with Goldman, Tesla struggles with insurance product and many BaaS news in Europe and the US.

Xero launches bill payments, Apple launches Open Banking in UK and tap payments in France, Shopify offers tax services through a new partnership plus many news that are not purely embedded finance but still very relevant.

Publk launches SocialCard for refugees, Elon Musk plans to replace your bank by the end of 2024, Onvista embeds trading feature, US regulation might kill loyalty programs

GoDaddy is becoming a fintech, Block is acquiring one, fleet management provider Motive is launching a card, Xero simplifies supplier payments and more.

Everything is Fintech: In the past two weeks, companies in social media, airlines and B2B SaaS are moving forward with their financial product offerings. But not everything will work out. Learn more!

Two retail companies are jumping onto embedded finance, Mercedes goes all-in for car payments, Delta is a fintech company and Orderbird and Sage launch financing products.

Plus Pandadoc acquires payment startup; Booking.com partners with Affirm and Rappi offers loans to restaurants.

We help you to find your next role Embedded Finance, three new EF product launches in the US, infrastructure provider news from Visa, Treasury Prime and others. Plus a short overview of the five financial products in Embedded Finance.

Amazon, Apple, Shopify, Twitter and Uber increase their Embedded Finance footprint and Banking-as-a-Service continues to grow.

German wholesale provider Metro crosses important milestone; Shopware follows Shopify footstep and Twitter executes on Elon Musk's vision.

Amazon launches financing option and Zalando's payment unit is following EF playbook.

This edition covers also Engel & Voelkers, Mercedes-Benz, Enfuce, Banxware, Bond, Qenta, Stripe and more.

This edition covers Obie, Car IQ, Zip, Monese, Swan, Alviere, Galileo and more.

This edition covers news from Starbucks, MercadoLibre, WhatsApp, Apple, Microsoft, GoDaddy and more.

This edition covers Embedded Finance stories from Share, Shopify, GrubMarket, Apple, GoDaddy and Corplife.

Agicap, WhatsApp and Handle launched Embedded Finance products. Unit, Loanstar, Lemonway and actuvy.ai announced partnerships.

This edition covers news about Grover, Mercedes, DoorDash, Railsr, Weavr and Griffin as well as insightful reads about the role of banks in Embedded Finance.

This edition includes news about Quickbooks, Tesco and Buildertrend as well as insightful reads about new ways to buy your BigMac, the Evolution of Lending as a Service and more.

This edition includes news about Railsr, Marqeta and Falcon as well as insightful reads about Community Banks, Fintech Partnerships and EF impact on traditional banks.

This edition includes news about Griffin, Metro and Walmart as well as insightful reads about EF strategy, Starbucks and Social Commerce.

This edition includes news about Griffin, Moneybird and WooCommerce as well as insightful reads about EF in Mobility and regulatory challenges.