Retail - Embedded Finance Review

Why Otto Built a 250-Person Payments Company for Its Marketplace

Christin Burmeister explains why Otto built a 250-person payments company in-house and what it takes to run a BaFin-licensed fintech unit.

By Lars Markull

/ 19 Feb 2026

Why Otto Built a 250-Person Payments Company for Its Marketplace

Why does a pet retailer offer insurance products? With Christopher Meyer-Mölleringhof from Fressnapf

How Fressnapf, Europe's largest pet retailer, revolutionizes pet insurance through embedded finance. Their innovative approach to combining retail and insurance.

By Lars Markull

/ 4 Feb 2025

Why does a pet retailer offer insurance products? With Christopher Meyer-Mölleringhof from Fressnapf

Barclays completes Tesco Bank acquisition

Barclays completes Tesco Bank acquisition, keeps brand 10 years. Why retailers struggle with embedded finance despite customer advantages.

By Lars Markull

/ 3 Nov 2024

Barclays completes Tesco Bank acquisition

British electronic retailer partners with BNP Paribas for new BNPL product

British retailer Currys upgrades BNPL with BNP Paribas after 20% purchase adoption surpasses credit cards. Why branded financing beats consumer BNPL for merchants.

By Lars Markull

/ 22 Oct 2024

British electronic retailer partners with BNP Paribas for new BNPL product

John Lewis partners with Zopa Bank for an embedded lending offering

John Lewis partners with Zopa Bank for personal loans up to £35K as Tesco and Sainsbury's exit banking. Why customer journey and value proposition determine embedded lending success.

By Lars Markull

/ 22 Oct 2024

John Lewis partners with Zopa Bank for an embedded lending offering

A Swedish retailer launches a banking product in partnership with SEB Embedded; can it succeed?

Swedish retailer Hemköp launches banking product with SEB Embedded after Coop's failure. Why loyalty points alone may not win embedded banking customers.

By Lars Markull

/ 30 Sep 2024

A Swedish retailer launches a banking product in partnership with SEB Embedded; can it succeed?

Borut Hrobat, Finmesh Co-founder: Lessons from Coop's Exit & Future of Embedded Finance for Retailers

Coop abandons Swiss banking venture after 9 months. Key success factors for retailers in embedded finance. Expert insights on implementation and pitfalls.

By Lars Markull

/ 13 Aug 2024

Borut Hrobat, Finmesh Co-founder: Lessons from Coop's Exit & Future of Embedded Finance for Retailers

Why did Swiss retailer Coop shut down its banking offering?

Swiss retailer Coop shuts down banking product just nine months after launch. Why standalone offerings fail and what retailers get wrong about embedded finance.

By Lars Markull

/ 11 Aug 2024

Why did Swiss retailer Coop shut down its banking offering?

British Retailer Sainsbury’s is winding down banking offering

Sainsbury's winds down banking business, joining Tesco in exiting financial services. Why UK retailers are rethinking banking licenses for embedded finance models.

By Lars Markull

/ 27 Jan 2024

British Retailer Sainsbury’s is winding down banking offering

Motoring and Cycling Merchant Halfords launches credit product

Halfords, the UK's leading motoring and cycling retailer, partners with Kriya to offer flexible trade credit for business customers. Discover how embedded payments automate trade processes, improve cash flow, and enhance the B2B buying experience both online and in-store.

By Lars Markull

/ 15 Dec 2023

Motoring and Cycling Merchant Halfords launches credit product

Swiss supermarket Coop launches banking services, payments, and pension solutions

Switzerland’s largest retailer, Coop, launches Coop Finance+ with Additiv, offering banking, payments, and future investment products through multiple financial partners.

By Lars Markull

/ 3 Nov 2023

Swiss supermarket Coop launches banking services, payments, and pension solutions