Embedded Finance Review

In this episode of the Embedded Finance Review podcast, host Lars Markull speaks with Sophie Guibaud, a Fintech executive with extensive experience at companies like Bankable, Fidor Solutions, and Fiat Republic. Sophie shares insights on the evolving Banking as a Service (BaaS) landscape and her recent experience in Saudi Arabia's growing FinTech ecosystem Key Highlights: Sophie traces BaaS evolut...

In this episode, Lars Markull speaks with Eric-Jan Krausch, founder of 1-CP (One Click Procurement), a corporate payment solution focused on the travel industry. Eric shares his unique insights into the complex payment structures in travel and how these create opportunities for embedded finance products. The conversation covers the intricate value chain of the travel industry, from direct hotel bo...

In this episode of Embedded Finance Review, host Lars Markull sits down with Paul Staples, an Embedded Banking Non-Exec and Board Member who previously built embedded banking offerings at HSBC and Clear Bank. Five years after Angela Strange's famous "every company will be a fintech" prediction, Paul shares why non-financial brands launching financial products are failing when they re...

Embedded Finance Deep Dive: Reinventing Banking for Property Managers Enrique Sanchez from IESA (Aareon Spain) shares how his company created a specialized digital banking solution for homeowners associations. Learn about the pain points in traditional banking for property managers, the benefits of embedded financial services, and how technology can streamline complex administrative processes. An...

Host Lars Markull talks with Ali Tabbalat about how his company EmFlex is transforming car financing in Saudi Arabia through embedded finance technology. Ali explains how EmFlex helps consumers get pre-approved financing in minutes while shopping for cars online, a dramatic improvement over the traditional week-long process. Rather than competing with banks, EmFlex provides the technology that ena...

In this Embedded Finance Review Podcast episode, host Lars Markull speaks with Christopher Meyer-Mölleringhof from Fressnapf, Europe's leading pet care retailer. They dive deep into how Fressnapf is revolutionizing pet insurance through an innovative embedded approach. Christopher, who leads Fressnapf's pet insurance business, shares insights on transforming the company from a traditional...

Explore the future of in-car payments with Mark Gerban, former Mercedes-Benz executive and current Head of Product at PairPoint. Learn how car manufacturers are transforming vehicles into payment devices, enabling seamless transactions for parking, charging, and drive-through services. Discover why some approaches work better than others and how emerging technologies like embedded SIMs reshape aut...

In this episode, Lars Markull sits down with Hessel Kuik, founder of Bizcuit, to explore how traditional banks can compete in the embedded finance space by integrating non-financial services. Hessel shares how Bizcuit enables banks to offer accounting and invoicing features directly within their banking apps, creating a seamless experience for SMEs and entrepreneurs. The conversation covers the ev...

The year is almost over. In this episode, we recap what has happened in the world of embedded finance over the past 12 months. Sam Boboev, the founder of the Fintech Wrap Up newsletter and Product Manager at TPF, joins me to discuss the biggest developments in embedded finance. Sam and I picked our personal six biggest areas within embedded finance, and we explain what happened and why. We cover r...

In this episode, I speak with Kasko co-founder and CEO Nikolaus Sühr. Nikolaus is an Insurtech expert; with him, we are diving into the world of embedded insurance. We are talking about: - What are the most common embedded insurance products - How do brands usually build such products - What is the role of traditional insurance - Nikolaus' journey in embedded insurance - And much more Visit our we...

In this episode, I am speaking with Associate Partner Dr. Manuel Thomet from management consultancy Synpulse. Manuel and his team have published the first study about embedded finance and banking-as-a-service in Switzerland. The study was conducted with an academic partner and you can download it via embedded-finance.ch. I am speaking with Manuel about the embedded finance landscape in Switzerland...

Today we dive into the world of construction. We are speaking with Jarvey Moss, who is the founder and CEO of Saible. Saible is a British construction payment startup. Jarvey does not come from the construction or payment industry but has seen firsthand the challenges that the current payment flows put onto some of the players in the industry. In this episode, we are speaking about the current tec...

In the latest episode of the Embedded Finance Review Podcast, Lars Markull engages with Sarina Deuble from McKinsey, discussing the evolving landscape of embedded finance and its impact on the banking sector. The conversation highlights the historical context of embedded finance, comparing it to previous financial distribution channels and examining its growth, particularly over the last five year...

In this episode, I am speaking with William Lorenz. William is a two-time fintech founder with more than 20 years of experience. Currently, he works as a fractional fintech advisor. We discussed the key ingredients for a successful embedded finance product launch, what William thinks many teams underestimate when building fintech products and what he looks for when identifying a new banking partne...

In the newest podcast episode, I spoke with  Vladimira Briestenska  and  Nadeem Shaikh . They are co-founders of  Neem , a fintech and embedded finance infrastructure provider in Pakistan. Emerging markets like Pakistan are often fascinating because the market dynamics, leapfrogging of technology and adoption of new services are so different to Western countries. I spoke with the two about • How P...

Today we are speaking with Niklas Radner, the cofounder and CEO of Nelly Solutions. Nelly provides a digital patient onboarding and payment solution for doctors in Germany and other European markets. In this episode, Niklas explains why they have chosen patient onboarding as their first product, what other financial products they are launching, and why he thinks it was beneficial for them that non...

Ankit Singh is the co-founder of Vaya, a US-based embedded lending provider. Previously, Ankit was instrumental in the launch of OCEN in India. OCEN can be described as a public infrastructure for embedded lending. In this podcast, we dive into the world of embedded lending. We discuss how India launched the public infrastructure for embedded lending, why Ankit founded Vaya in the US, and where he...

In this episode, I am speaking with Borut Hrobut who has extensive experience working with retailers on financial products. The Swiss retail giant Coop announced in early August that its pulling the plug on its banking product, which was launched just nine months before. With Borut, I am speaking about what likely has happened at Coop and how they could have prevented it. We also give tangible adv...

In this episode, Lars Markull is speaking with Shaul David, a London based embedded finance expert. Shaul was head of banking at the British banking-as-a-service provider Railsr from 2019 to 2023 and has extensive experience in the sector. Last week, Italian bank UniCredit announced that it is acquiring Polish banking infrastructure provider Vodeno and Belgian Aion Bank. Both companies jointly off...

In this episode, I am speaking with Mews' CEO Matt Welle about how his company is turning from a SaaS into a fintech business. Mews targets hotels and provides them the technical backbone to operate. The startup is based in the Netherlands and achieved unicorn status in March 2024 with a $110 million fundraise. Initially the company focused purely on SaaS and was collaborating with payment pro...

I spoke with Iven Kurz, CEO and founder of Evergreen. Evergreen is a German asset manager that started with a direct to consumer investment product, but in the past few years it also partnered with various fintech startups . Most recently, it started to engage with various non-financial brands . In this episode we discuss: Why Evergreen started to engage with non-financial brands How big the embed...

In our latest episode of the Embedded Finance Review podcast, we sit down with Peder Broms, the co-founder and CEO of Cloover. Cloover is revolutionizing the renewable energy sector by offering software and consumer financing products for hardware installations like photovoltaic systems. This episode dives into the innovative solutions Cloover provides, the challenges of the renewable energy marke...

In the inaugural episode of the Embedded Finance Review Podcast, Lars Markull interviews Michael Zyber, CEO of Metro Financial Services. Metro is a traditional food wholesaler founded in 1964 that has ventured into the fintech space to offer innovative financial solutions. In this episode, you will learn: Strategic Rationale:  Explore the reasons behind Metro's decision to launch financial ser...

I am excited to launch my embedded finance-focused podcast where I interview the builders and shapers of embedded finance. Hear more about my motivation in this short teaser episode, and make sure to follow the podcast. On June 4th, I will publish the first episode with a decades-old German corporate that has launched a card product already and is now aiming to increase their financial product off...