Embedded Finance Review

𝗥𝗮𝗶𝗹𝘀𝗿 is back, and another 𝗻𝗲𝗼𝗯𝗮𝗻𝗸 spins out their infrastructure unit In the final embedded finance news roundup version of 2024, I covered: • Railsr's owner buys Equals Money and has big plans • Danish neobank Lunar spins out their infrastructure unit • Banking frontend provider Flow • Money Management Products partners with Adyen for new embedded banking offering • E-commerce provider Mercado Libre goes head-to-head with neobank Nubank. Can embedded finance win over fintech? • Cyber security provider Gen acquires B2C fintech MoneyLion. Will the two world merge? • Plus, in the short news Upvest, Ant International, ServiceTitan and Walmart The link to the full stories is in the comment section. Also, make sure to subscribe! This was the latest news roundup for 2024. However, I will send one more newsletter this year: a personal summary of the year and some insights into my plans with Embedded Finance Review for 2025.

The year is ending — time to 𝗿𝗲𝗰𝗮𝗽 what has happened in 𝗲𝗺𝗯𝗲𝗱𝗱𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 in 2024. For the last Embedded Finance Review podcast episode of 2024, I am joined by Fintech Wrap Up founder Sam Boboev. Sam and I picked our personal six most important developments in embedded finance. We go through each area one by one, discuss what has happened and why, and describe the bigger picture. We covered: • 𝗥𝗲𝘁𝗮𝗶𝗹𝗲𝗿𝘀 push and struggle in embedded finance • The role of 𝘁𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗯𝗮𝗻𝗸𝘀 • 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 shake-up within 𝗯𝗮𝗻𝗸𝗶𝗻𝗴-𝗮𝘀-𝗮-𝘀𝗲𝗿𝘃𝗶𝗰𝗲 around the world • The intersection of 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 and fintech • 𝗦𝗼𝗹𝗮𝗿 𝗽𝗮𝗻𝗲𝗹 financing • 𝗩𝗲𝗿𝘁𝗶𝗰𝗮𝗹 SaaS Have we covered the most important stories? What did we miss? 🔗 You can find the link to the episodes in the comment section. ⏩ The next podcast episode will published on January 9th, but there is (at least) one newsletter left in 2024. So make sure to subscribe!

What's the price for Solaris SE new lifeline? In the newest Embedded Finance Review, I cover embedded finance stories in 𝗯𝗮𝗻𝗸𝗶𝗻𝗴, 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁, 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗮𝗻𝗱 𝗹𝗲𝗻𝗱𝗶𝗻𝗴! The stories this week are: • Solaris avoids liquidation, but what's the path ahead? • WealthKernel offers savings account thanks to a partnership with Griffin • Banxware and UniCredit check the last box of possible partnerships • Banking Circle is for sale • Mambu acquires Numeral, a Mambu company Check the comment section for a link to the full stories. What was your personal embedded finance highlight this week?

Two 𝗲𝗺𝗯𝗲𝗱𝗱𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 news articles caught my eye this week: Doctolib and Deel. The French doctor appointment booking service Doctolib announces its partnership with Adyen to launch an embedded payment product. Deel, the HR provider, has played the embedded finance game for some time. This week, it announced it had acquired the international money transfer provider. I covered both developments in today's edition of Embedded Finance Review -> Check the comment section for the link. Additionally, I featured Spendesk, OVO Energy, HSBC, NatWest Boxed, Embri, NORBr, ServiceTitan and Cardless.

Which 𝗯𝗿𝗮𝗻𝗱𝘀 should get into 𝗲𝗺𝗯𝗲𝗱𝗱𝗲𝗱 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲? In the newest Embedded Finance Review podcast episode, I am speaking with KASKO cofounder Nikolaus Sühr. We explore the world of embedded insurance. It's my first podcast episode about embedded insurance, so we started right from the beginning. We are talking about: • What are the most common embedded insurance products • What kind of brands should offer embedded insurance • What is the role of traditional insurance companies • And a lot more. 🔗 The link to the podcasting platforms is in the comments. This episode is a great primer for embedded insurance, but there is much more to cover. ❓ So let me ask you: What questions should I address in one of the following episodes when we dive a bit deeper into the world of embedded insurance?

Is this our new 𝗲𝗺𝗯𝗲𝗱𝗱𝗲𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗿𝗼𝗹𝗲 𝗺𝗼𝗱𝗲𝗹? In today's edition of Embedded Finance Review, I cover: • Vertical SaaS company ServiceTitan files for an IPO; how much of this is driven by embedded finance? • British infrastructure provider Modulr acquires Nook and will launch an accounts payable solution. • Kalder's embedded loyalty offering makes me wonder if we need more innovation in the loyalty space to drive B2C embedded finance adoption? • Plus short news from Alviere, GTreasury and PCN as well as Michael Chernyakov's piece about an ApplePay implementation. You can find the full stories here: https://lnkd.in/dEe4P8TG Which story was your favorite? And why?

Check out the newest edition of our weekly embedded finance roundup 👇

Our newest edition is packed with stories around embedded lending, payments, and banking! Check it out 👇

👷♂️ 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗶𝗻 𝗰𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗶𝘀 𝗯𝗿𝗼𝗸𝗲𝗻 and an industry-outsider is trying to fix this. In our newest podcast episode, we are speaking with Jarvey▪️ Moss from Saible . Jarvey is neither from the construction nor the payment industry. But he has seen firsthand how existing payment flows put certain companies in the construction industry at risk. He decided to fix this with Saible. In this podcast episode, we are speaking about: • The current tech and fintech stack of construction companies • How the industry is changing • How Saible is fixing payments in the construction industry 🤔 And if you wonder whether Saible is really an embedded finance company, listen to the episode and hear Jarvey's surprising answer. Check the comment section for the episode link👇 𝘈𝘯𝘥 𝘸𝘩𝘪𝘤𝘩 𝘪𝘯𝘥𝘶𝘴𝘵𝘳𝘺 𝘴𝘩𝘰𝘶𝘭𝘥 𝘸𝘦 𝘱𝘪𝘤𝘬 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘯𝘦𝘹𝘵 𝘦𝘱𝘪𝘴𝘰𝘥𝘦? 𝘗𝘭𝘦𝘢𝘴𝘦 𝘤𝘰𝘮𝘮𝘦𝘯𝘵 𝘸𝘪𝘵𝘩 𝘺𝘰𝘶𝘳 𝘴𝘶𝘨𝘨𝘦𝘴𝘵𝘪𝘰𝘯𝘴 🙏

The newest edition of our weekly newsletter just dropped 👇👇