Finland - Embedded Finance Review

Wolt Launches Employee Benefits Platform in Finland with Its Own Payment Card

Wolt is launching an employee benefits platform in Finland with its own Visa card, issued under its regulated payment institution licence. Here's what it means for embedded finance.

By Lars Markull

/ 23 Mar 2026

Wolt Launches Employee Benefits Platform in Finland with Its Own Payment Card

Embedded Banking Done Differently: NoCFO’s Teemu Karuluoto on Choosing a Neobank Over BaaS

NoCFO’s Teemu Karuluoto explains why they chose a neobank over BaaS for embedded banking, and how it’s reshaping their accounting platform.

By Lars Markull

/ 22 Jan 2026

Embedded Banking Done Differently: NoCFO’s Teemu Karuluoto on Choosing a Neobank Over BaaS

How Procounter is Making Neobanks Useless: Embedded Banking at Scale with Juho Putkonen

Discover how Procounter is disrupting Finnish business banking by embedding €10/month accounts into accounting software, replacing €80/month traditional bank fees. Learn their embedded finance strategy serving 100K+ companies.

By Lars Markull

/ 7 Aug 2025

How Procounter is Making Neobanks Useless: Embedded Banking at Scale with Juho Putkonen

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

Is Wolt planning to apply for a bank licence?

Wolt CEO hints at bank license application after launching Wolt Capital with Finmid. Will food delivery become first regulated for restaurant financing?

By Lars Markull

/ 12 Oct 2024

Is Wolt planning to apply for a bank licence?

Enfuce launches combo card in Europe

Finnish issuing processor Enfuce launches E2 combo card with Mastercard combining credit and debit PANs. Why 2-in-1 cards could boost European credit usage.

By Lars Markull

/ 16 Sep 2024