Embedder

Embedders, or non-financial brands, are the frontend in Embedded Finance. They are not fintech companies or financial institutions, but are offering financial services along their core non-financial offering (e.g., Shopify, Doctolib, Starbucks).

Dext Partners with Airwallex to Launch Embedded Payments Solution

Dext partners with Airwallex to launch embedded payments solution for accounts payable automation. Analyzing the strategic implications for accounting providers.

By Lars Markull

/ 18 Jul 2025

Peace of Mind as a Product: How ToolTime Turned Payment Friction into Their Next Revenue Stream

Discover how ToolTime built embedded finance for German craftspeople, choosing embedded banking over open banking. Real revenue insights from 20K+ users.

By Lars Markull

/ 8 Jul 2025

Peace of Mind as a Product: How ToolTime Turned Payment Friction into Their Next Revenue Stream

German Pharmacy Marketplace Onfy Launches Embedded Lending with Banxware Partnership

German pharmacy marketplace Onfy launches embedded lending with Banxware. How niche marketplaces follow Shopify, Amazon into embedded finance.

By Lars Markull

/ 2 Jul 2025

Polish E-commerce Provider Shoper Launches Two Embedded Finance Products in Partnership with PragmaGO

Polish e-commerce platform Shoper launches merchant cash advance and B2B Buy Now Pay Later with PragmaGO. Exploring embedded finance expansion in Eastern Europe.

By Lars Markull

/ 2 Jul 2025

Xero Acquires Fintech Melio for $3B to Embed Payments in Accounting Platform

Xero acquires fintech Melio for $3B to embed payments and compete with QuickBooks. Will more non-financial brands follow with fintech acquisitions?

By Lars Markull

/ 30 Jun 2025

Saga Partners with NatWest Boxed for Embedded Savings Products Targeting Over-50s Market

Saga negotiates partnership with NatWest Boxed for embedded savings targeting over-50s consumers. Will this become NatWest Boxed's second major deal after AA?

By Lars Markull

/ 30 Jun 2025

From Food Delivery to Embedded Finance - Wolt's Journey to Financial Services with Anniina Heinonen

Learn how Wolt transformed from food delivery platform to regulated financial institution across 20+ European markets with embedded finance products.

By Lars Markull

/ 25 Jun 2025

From Food Delivery to Embedded Finance - Wolt's Journey to Financial Services with Anniina Heinonen

Embedded Finance Reality Check: Why ING & Amazon Germany Partnership Failed

ING and Amazon Germany end lending partnership after five years due to low volume. Why the product wasn't truly embedded and what Amazon's Youlend replacement reveals.

By Lars Markull

/ 20 Jun 2025

UK Automotive Fintech Payment Assist Launches Comprehensive Business Lending Platform

UK automotive fintech Payment Assist launches business lending with Groov for garages and dealerships. Why vertical fintech is closest to embedded finance.

By Lars Markull

/ 16 Jun 2025

ToolTime Pay Embedded Payments: Adyen Case Study Hints at Growing Adoption in German Craft Market

Adyen case study reveals ToolTime Pay adoption in German crafts market. How vertical SaaS providers use embedded payments as gateway to banking and lending products.

By Lars Markull

/ 16 Jun 2025

Shuttel Introduces Visa Fleet BIN-Powered Card for Business Mobility

Shuttel launches Visa Fleet BIN-powered mobility card with Enfuce for Dutch business travel. How Fleet BINs enable advanced spend controls.

By Lars Markull

/ 5 Jun 2025

Exclusive: Shopify Capital Expands to UK and Germany via YouLend Partnership

Shopify Capital expands to UK and Germany with YouLend after funding $4.7B since 2016. How the embedded lending pioneer scales its European marketplace financing.

By Lars Markull

/ 5 Jun 2025

Exclusive: Shopify Capital Expands to UK and Germany via YouLend Partnership