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.

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

Accountable built an embedded banking product because PSD2 failed them with Tino Keller

Tino Keller shares how Accountable launched an embedded banking product for freelancers after PSD2 and open banking failed to deliver a smooth user experience.

By Lars Markull

/ 27 May 2025

Accountable built an embedded banking product because PSD2 failed them with Tino Keller

From Glovo to Ageras: Embedded Lending Is Quietly Spreading Across Europe

Finmid partners with Glovo and Froda expands with Ageras from Germany to Denmark. How embedded lending is quietly becoming standard across European platforms.

By Lars Markull

/ 26 May 2025

eBay Expands Embedded Lending Offering to Germany

eBay Germany launches embedded lending with YouLend after four-year UK partnership. How automatic eligibility transforms marketplace financing.

By Lars Markull

/ 19 May 2025

From SaaS to Fintech: Circula Blurs the Lines of Expense Management and Financial Services

Berlin-based Circula has announced the extension of its Series A round, which is mainly focused on developing its AI-powered autonomous expense processing (Circula, EU Startups). I typically don’

By Lars Markull

/ 12 May 2025

Following Toast’s footsteps: European allO Launches Embedded Lending for Restaurants

European restaurant software allO launches embedded lending with Finmid offering up to €200K revenue-based financing. Following Toast's playbook in fragmented market.

By Lars Markull

/ 12 May 2025

Rakuten acquires technology from insolvent banking-as-a-service provider Dock Financial

Rakuten acquires insolvent Dock Financial's technology and team. Could the Japanese fintech giant be planning European banking-as-a-service expansion like its Japan model?

By Lars Markull

/ 19 Apr 2025

Pliant acquires Hi.Health and increases its focus on insurance companies

Pliant acquires Hi.Health and partners with Pflegenavi, targeting insurance and care facilities with card-as-a-service. How healthcare embedded payments evolve.

By Lars Markull

/ 19 Apr 2025

The Complex World of Travel Payments with Eric-Jan Krausch of 1-CP

Discover travel industry payments with Eric-Jan Krausch, founder of 1-CP. How virtual cards, payment structures, and embedded finance innovations transform travel's B2B landscape.

By Lars Markull

/ 1 Apr 2025

The Complex World of Travel Payments with Eric-Jan Krausch of 1-CP

Vorwerk Launches Embedded Insurance for Kobold Vacuum Cleaners Through Hakuna Partnership

Vorwerk partners with Hakuna for embedded insurance on Kobold vacuum cleaners across online, retail, and advisers. How Hakuna is signing major European brands.

By Lars Markull

/ 14 Mar 2025

German Wholesaler Metro Shuts Down B2B Financial Services After 25,000 Customer Milestone

German wholesaler Metro shuts down Financial Services after reaching 25,000 B2B customers. Why retailers struggle to create compelling value with embedded banking.

By Lars Markull

/ 14 Mar 2025

Lexware extends its financing partner stack

German bookkeeping provider Lexware adds Youlend as fourth financing partner. Why partnership models may outperform embedded integration for marketplace lending.

By Lars Markull

/ 9 Mar 2025

Lexware extends its financing partner stack