Netherlands - Embedded Finance Review

Dutch neobank bunq launches banking-as-a-service on its own bank licence

Neobank bunq launches bunq-as-a-Service, opening its banking licence to partners. How it differs from Qonto and Holvi's e-money model.

By Lars Markull

/ 24 Jun 2026

Dutch neobank bunq launches banking-as-a-service on its own bank licence

Briqs wants PSPs to own their lending, not rent it

Briqs offers PSPs the technology layer for embedded lending without the balance sheet. Built by former Adyen Capital operators.

By Lars Markull

/ 14 May 2026

Briqs wants PSPs to own their lending, not rent it

Building Embedded Payments Right with Alex Schoonkind from Embed

Alex Schoonkind from Embed breaks down what it really takes to embed payments successfully: timing, misconceptions, support overhead, and why thinking like a financial services company matters.

By Lars Markull

/ 13 Nov 2025

Building Embedded Payments Right with Alex Schoonkind from Embed

How Nivoda Built 'Buy Now, Grow Faster' for the Global Jewellery Trade with Stefan Scherpenborg

Stefan Scherpenborg reveals how Nivoda built embedded credit for jewelry retailers, using marketplace data for superior underwriting and growth financing.

By Lars Markull

/ 15 Sep 2025

How Nivoda Built 'Buy Now, Grow Faster' for the Global Jewellery Trade with Stefan Scherpenborg

Dutch Embedded Banking Provider Flow Acquired by Accounting Software Customer Snelstart

Dutch embedded banking provider Flow acquired by accounting software customer Snelstart. Analyzing the strategic implications when customers buy their infrastructure providers.

By Lars Markull

/ 11 Jul 2025

Embedded Lending: Build vs. Buy - A Founder's Hard-Won Lessons with Mark Hollemann

This keeps the key SEO elements (build vs buy, embedded lending) while capturing the unique angle (founder lessons from a shutdown). Ready for the next one?

By Lars Markull

/ 10 Jun 2025

Embedded Lending: Build vs. Buy - A Founder's Hard-Won Lessons with Mark Hollemann

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

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

Qonto and Mollie partner on payment links and embedded business accounts via Qonto Embed. Why Mollie's banking dependency on Qonto raises strategic questions.

By Lars Markull

/ 1 May 2025

Visma Expands with Accountable Acquisition: Embedded Finance on the Horizon

Norwegian Visma acquires Belgian Accountable adding banking to its portfolio. Why embedded finance could spread across Visma's European business software empire.

By Lars Markull

/ 23 Apr 2025

Snelstart Partners with Flow and Adyen to Launch Embedded Banking for SMEs and Freelancers

Dutch bookkeeping provider Snelstart launches embedded banking with Flow and Adyen. Why this three-layer value chain reveals how BaaS reaches smaller customers.

By Lars Markull

/ 19 Mar 2025

Hessel Kuik, Founder Bizcuit: How can banks fight back in embedded finance?

How traditional banks are fighting back by embedding accounting software. Bizcuit's founder Hessel Kuik discusses the future of banking apps and SME services.

By Lars Markull

/ 8 Jan 2025

Hessel Kuik, Founder Bizcuit: How can banks fight back in embedded finance?

Dutch Flow partners with Adyen for a new embedded banking proposition

Dutch banking frontend provider Flow partners with Adyen enabling prebuilt embedded banking solutions for non-financial brands. How B2C to B2B pivots unlock adoption.

By Lars Markull

/ 16 Dec 2024

Dutch Flow partners with Adyen for a new embedded banking proposition