Germany

Germany is EFR's home market, with platforms such as Otto, JTL, HERO and Kleinanzeigen building payments and lending into their products. Coverage of German embedders and the providers behind them, including Banxware, Solaris, Swan and Adyen.

Why Doctolib's Practice Management Move Makes Embedded Payments Inevitable

Doctolib is moving from appointment booking to full practice software, positioning them to embed payments and other Embedded Finance products.

By Lars Markull

/ 24 Nov 2025

Why Doctolib's Practice Management Move Makes Embedded Payments Inevitable

EAM Launches Embedded Investment Product in Germany's Energy Sector

EAM's Savin launches Germany's first embedded investment product in energy. Customers combine electricity payments with automated savings and investment.

By Lars Markull

/ 4 Nov 2025

Building the Real Estate Operating System with GetMomo's Marcel Meitza

Marcel Meitza from GetMomo explains how his vertical fintech built banking infrastructure for European property managers through German bank partnerships and ERP integrations.

By Lars Markull

/ 2 Oct 2025

Building the Real Estate Operating System with GetMomo's Marcel Meitza

How a Swiss Bank Is Building Embedded Finance Partnerships Across Europe

Swiss regional bank Hypothekarbank Lenzburg is expanding across Europe through strategic acquisitions and embedded finance partnerships.

By Lars Markull

/ 11 Sep 2025

How a Swiss Bank Is Building Embedded Finance Partnerships Across Europe

Pleo Launches Money Market Fund Investment Feature in Germany

Pleo launches investment account for German businesses via Lemon Markets partnership. Why embedded investment is fintech's next growth opportunity.

By Lars Markull

/ 1 Sep 2025

Porsche Switches Credit Card Provider: Nordiska Bank and Enfuce Take Over from DKB

Porsche switches credit card portfolio from DKB to Nordiska Bank and Enfuce by fall 2025. Analyzing the embedded finance infrastructure behind co-branded cards."

By Lars Markull

/ 24 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

Stripe Capital Expands to Germany as Embedded Lending Competition Intensifies

Stripe Capital in Germany: how SIDES uses it and whether Stripe can compete with standalone lenders like YouLend and Banxware.

By Lars Markull

/ 2 Jul 2025

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

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

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

ToolTime Pay with Adyen: how the German craft software built embedded payments, why cards stayed at 1-2% and what HERO does differently.

By Lars Markull

/ 16 Jun 2025

Banxware Transitions to Forward Flow Model with €10M UniCredit Investment

German embedded lending provider Banxware secures €10M from UniCredit and shifts to forward flow model. Why this strategic pivot changes risk management in marketplace financing.

By Lars Markull

/ 5 Jun 2025