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 🇮🇳

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Europe

🇪🇺 Research: European SMEs trust BaaS will overtake traditional banking

🇪🇺 Santander, Allianz Trade & Two partner to provide B2B BNPL to large multinational corporations

🇬🇧 African payments giant Flutterwave vies to buy British fintech Railsr. Flutterwave eyes up Railsr.

🇬🇧 Soldo selected as supplier for Crown Commercial Service pre-paid cards

🇬🇧UK B2B SMEs missing out on opportunity to use embedded finance, research shows

🇬🇧 Lloyds invests £4m in driving payments app Caura

🇬🇧 Sage and Equifax combine 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 new customers with BaFin's permission

🇩🇪 Cover Genius Partners with HomeToGo to Provide Embedded Protection for Short-Term Rentals

🇩🇪 Plug-and-Play Finance provider Dock Financial swallows SME lending platform Compeon

🇫🇮 Enfuce works with Orka Ventures to launch new card product across the Nordics

🇫🇮 Welcome.Place launches refugee 'First Aid' card pilot in France with Enfuce, Epassi & Visa

🇨🇭 Temenos expands BaaS capabilities

🇪🇸 Inversis places Pecunpay as the first e-money institution in the Spanish payments system

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North America

🇺🇸 The BaaS Association names first CEO, Bill Briggs

🇺🇸 Jobber Says Embedded Finance Builds Cash Flow Confidence for Home Services Businesses

🇺🇸 Marqeta makes a $275 million bet on embedded finance

🇺🇸 Blue Ridge Bank names Fed staffer Muetzel as fintech president

🇺🇸 Suppli Raises $3.1M to Grow AR Platform for Construction Industry

🇺🇸 Method - A Provider For Embedding Repayment, Balance Transfers And Bill Pay Automation - Closes $16M Series A Funding

🇺🇸 Axiom Bank partners with Cable to automate financial crime compliance development for the bank’s fintech program

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Asia

🇮🇳 Yes Bank partners Falcon to tap into the embedded finance market

🇨🇳 ByteDance Pushes Into Payments With Help From J.P. Morgan

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LatAm

🇧🇷 Dock Launches Platform Offering Financial Services in Latin America

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Insightful reads

📈 Embedded Finance Fuels Growth in Choppy Economy — Here’s How to Start (Jonathan Zell, McKinsey)

🔮 Embedded Finance Predictions: insights into a fast-evolving market (aperture)

🔚 Embedded Finance Will End Traditional Banking? Actually... Yes! (David Birch)

💰 Banking-as-a-Service Delivers New Deposits for Banks (Chris Dean, Treasury Prime)

🏦 How Community Banks Can Stay Competitive with Embedded Banking (Patrick Wong, Treasury Prime)

🛫 Are we still at the beginning of “Embedded Finance” revolution? (Taner Akcok, Deutsche Bank)

💡Embedded finance to lead the way in 2023 fintech innovation (Chris O’Neill, Xero)

👫 How the role of partnerships is changing in the embedded finance ecosystem (Sara Khairi, Tearsheet)

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