TikTok / TikTok and Visa launch a UK debit card built for creators TikTok and Visa launched a UK Creator Card for TikTok LIVE earners. Who's the BaaS partner behind it, and why the UK before the US? By Lars Markull / 3 May 2026
Marginalen Bank / Marginalen Bank turns a Swedish licensed bank into BaaS provider Marginalen Bank launches Embedded Banking, becoming the second Swedish bank to offer BaaS to non-bank companies, following SEB Embedded. By Lars Markull / 3 May 2026
News / Hokodo Shuts Down After Eight Years and €500M+ in Financed Invoices Hokodo, a European B2B BNPL provider, has shut down after eight years. Founders published an unusually candid post-mortem of what went wrong. By Lars Markull / 25 Apr 2026
SpareBank 1 Østlandet / Norwegian Bank Embeds Froda Inside Its Own Banking App SpareBank 1 Østlandet integrates Froda Embedded into its banking app. Froda's first traditional bank partnership and one of Europe's earliest. By Lars Markull / 25 Apr 2026
News / TikTok Applies for Payment and Credit Licences in Brazil 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. By Lars Markull / 19 Apr 2026
PayPal / Canva Adds Embedded Payments via PayPal for 265 Million Users Canva added PayPal Payment Links to its Marketplace. A good first step, but the case for a fully embedded payments product is already there. By Lars Markull / 19 Apr 2026
