Newsletter

Sep 16, 2025

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9 min read

Why is this Swiss bank expanding European partnerships? Plus Uber's lending move

How Swiss bank Hypothekarbank Lenzburg is building embedded finance partnerships across Europe through strategic acquisitions. Plus: Uber Eats launches restaurant lending and why 90% of SaaS companies are expanding beyond payments.

Lars Markull

Newsletter

Sep 9, 2025

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11 min read

e-conomic Adds Cards, Bolt Food Launches Lending, Mews Expands Financing

Discover the latest embedded finance launches: e-conomic partners with Mynt for Danish card solutions, Bolt Food introduces restaurant lending via finmid, and Mews expands hotel financing with YouLend. Plus insights from PandaDoc's embedded payments journey.

Lars Markull

Newsletter

Sep 2, 2025

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10 min read

While You Were Away: Wix Launches Financial Services, Booking.com's 6% Cashback Card, and More

Catch up on the latest embedded finance news: Wix's banking and lending launch, Booking.com's 6% cashback credit card with Imprint, and Pleo's investment feature. Analysis of the payments-to-banking strategy.

Lars Markull

Newsletter

Aug 26, 2025

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10 min read

Your embedded INVESTMENT and INSURANCE summer reading: What happened in 2025 (so far)

Summer recap of embedded investment and insurance developments in 2025. Key acquisitions, new partnerships, and why non-financial brands are embracing embedded insurance while investment infrastructure consolidates.

Lars Markull

Newsletter

Aug 19, 2025

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8 min read

Your embedded PAYMENT summer reading: What happened in 2025 (so far)

Explore embedded payment trends in 2025: How ToolTime and WeTransfer boosted revenue with payment products, plus infrastructure provider updates from Adyen, Ryft, and more.

Lars Markull

Newsletter

Aug 12, 2025

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11 min read

Your embedded LENDING summer reading: What happened in 2025 (so far)

Explore the latest embedded lending trends from Jan-Jul 2025. Learn how companies like Shopify, Amazon, and eBay are revolutionizing business finance.

Lars Markull

Newsletter

Aug 5, 2025

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12 min read

Your embedded BANKING summer reading: What happened in 2025 (so far)

Embedded banking news recap 2025: European fintech updates, banking-as-a-service deals, and infrastructure provider moves. Complete industry roundup.

Lars Markull

Newsletter

Jul 29, 2025

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10 min read

Three announcements that aren't embedded finance but should be on your radar

Porsche switches credit card providers to Nordiska Bank & Enfuce, Nordea partners with Mynt for SME expenses, and ClearScore launches embedded marketplace. Why these moves matter for embedded finance.

Lars Markull

Newsletter

Jul 22, 2025

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9 min read

Dext adds payments, Pleo goes embedded, Unit launches lending

Weekly embedded finance updates: Dext partners with Airwallex for integrated payments, Pleo launches embedded expense management for banks, and Unit expands into lending for SaaS providers.

Lars Markull

Newsletter

Jul 15, 2025

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7 min read

Two Embedded Finance Acquisitions Reshape European Market

Alpaca acquires Wealthkernel to accelerate European expansion while Dutch accounting platform Snelstart buys embedded banking provider Flow. Plus: ToolTime's embedded finance journey and latest fintech M&A trends.

Lars Markull

Newsletter

Jul 8, 2025

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8 min read

Three Markets, One Trend: Embedded Lending is Expanding Across Europe

Stripe Capital enters Germany, Polish e-commerce giant Shoper launches merchant financing, and pharmacy marketplace Onfy pioneers healthcare lending. Discover how embedded finance is reshaping European markets across industries.

Lars Markull

Newsletter

Jul 1, 2025

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9 min read

Adyen Doubles Down on Embedded Finance; Wolt's Fintech Journey

Adyen Co-CEO reveals 63% embedded finance revenue growth strategy while Xero acquires payments fintech Melio for $3 billion to compete with QuickBooks in the US market.

Lars Markull

Newsletter

Jun 24, 2025

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8 min read

Bad Week for Embedded Finance? ING-Amazon Split & Intergiro License Loss Explained

Embedded finance reality check: Why ING-Amazon split, what Intergiro's license loss means, and how European payment providers are fighting back.

Lars Markull

Newsletter

Jun 17, 2025

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7 min read

My Virtual Event Experiment Continues + ToolTime's Embedded Payments Growth Signals

Following up on my first virtual embedded finance event success (26/37 attendees!) plus analyzing ToolTime's €2B invoice volume and what Adyen's case study reveals about embedded payments adoption in Germany's craft industry.

Lars Markull

Newsletter

Exclusive: Shopify Capital Quietly Expands to Europe

Jun 10, 2025

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7 min read

Exclusive: Shopify Capital Quietly Expands to Europe

Shopify Capital expands to the UK & Germany, Banxware transitions to forward flow model with €10M funding, and Shuttel launches Visa Fleet mobility cards.

Lars Markull

Newsletter

Why telecoms are giving up on banking (but e-commerce isn't)

Jun 3, 2025

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9 min read

Why telecoms are giving up on banking (but e-commerce isn't)

From Orange Bank's exit to Mercado Libre's digital banking ambitions and Sage's embedded accounting expansion - why e-commerce beats telecoms in finance.

Lars Markull

Newsletter

May 27, 2025

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8 min read

Join the Debate: Retailers in Embedded Finance | Lending Moves from Glovo & Ageras

Join our first virtual event on retailers in Embedded Finance. Plus, read about new embedded lending deals from Glovo and Ageras — and what Seccl’s funding says about the future of embedded investing.

Lars Markull

Newsletter

May 20, 2025

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10 min read

eBay's embedded lending offering is coming to Germany

eBay partners with YouLend for German merchant lending, Juuli launches freelancer credit cards, and former B2C fintech Auric transforms into an infrastructure provider. Plus industry insights and upcoming events for embedded finance professionals.

Lars Markull

Newsletter

May 13, 2025

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8 min read

Beyond Software: allO and Circula's Embedded Finance Journey

Explore how restaurant software provider allO and expense management platform Circula are transforming their business models through innovative embedded finance solutions, blurring the lines between traditional software and financial services.

Lars Markull

Newsletter

May 6, 2025

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11 min read

Is Mollie's Dependence on Qonto a Smart Move or a Risky Bet?

Discover the evolution of merchant wallets, Swiss embedded finance innovations, and strategic fintech partnerships in our latest newsletter. Learn about Starbucks' wallet success, Homie's deposit solution with Hypothekarbank Lenzburg, and Mollie's integration with Qonto, plus upcoming industry events.

Lars Markull

Newsletter

Apr 29, 2025

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10 min read

Visma Acquires Accountable: A Step Towards Embedded Finance & BMW's New Embedded Insurance with Qover

Visma acquires Accountable, signaling a move towards embedded finance. Plus, BMW and Mini Ireland launch embedded car insurance with Qover, and Froda secures $23M in Series B funding. Stay updated with the latest industry news, provider spotlights, and event updates.

Lars Markull

Newsletter

Apr 22, 2025

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11 min read

Pliant's Insurance Card Play & Rakuten Acquires BaaS Technology

Pliant acquires Hi.Health to expand into insurance card solutions, while Rakuten picks up Dock Financial’s BaaS technology for a potential European push. BKN301 raises €21.5M to grow its Banking-as-a-Service platform from MENA to Europe. Plus: Thokmandee launches B2B BNPL for wholesale, and HBX Group debuts a B2B eWallet for the travel industry.

Lars Markull

Newsletter

Apr 15, 2025

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7 min read

Ryft raises £5.7M for Embedded Payments + Highlights from our biggest Berlin Event yet

European payment provider Ryft raises £5.7M, Weavr expands EU offerings with B4B Payments, plus updates on Toqio's design studio, Mondu's partnerships, Stripe's banking license application, and Airwallex's expansion plans.

Lars Markull

Newsletter

Visa's $100M Bid for Apple Card + New SaaS Embedded Finance Survey Reveals Payment Trends

Apr 8, 2025

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7 min read

Visa's $100M Bid for Apple Card + New SaaS Embedded Finance Survey Reveals Payment Trends

Visa's $100M Apple Card bid, travel payment innovations with 1-CP's Eric-Jan Krausch, and key insights from the SaaS Embedded Finance Survey revealing payment and lending trends. Plus: Berlin event highlights and upcoming fintech gatherings across Europe.

Lars Markull

Newsletter

Qonto Launches Embedded Banking Offering

Apr 1, 2025

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6 min read

Qonto Launches Embedded Banking Offering

Explore Qonto's new embedded banking solution competing with traditional BaaS providers, plus access my comprehensive 4500+ word Embedded Finance Primer covering strategies, examples, and revenue models. Stay updated on the latest embedded finance partnerships and upcoming industry events.

Lars Markull