Embedded Finance Review

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, what outcome of the study surprised them the most and where Manuel would put embedded finance on the hype cycle. Visit our website at www.embeddedfinancereview.com for more content. This episode was produced by Orama.tv. 00:00 Introducing Manuel Thomet 01:02 Overview of Embedded Finance in Switzerland 01:38 Key Findings from the Study 02:48 Challenges and Opportunities for Swiss Banks 04:05 Motivation Behind the Study 05:19 Consumer Understanding and Survey Methodology 06:38 Comparing Switzerland to Other Markets 09:35 Use Cases and Economic Attractiveness 14:06 Swiss Banks' Mindset and Adoption 31:08 Future Predictions and Trends 39:24 Conclusion and Final Thoughts

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 technology and fintech stack of construction companies, Saible's mission and how Jarvey sees the industry changing. And if you are wondering if Saible is really an embedded finance company, listen to the episode and hear Jarvey's surprising answer. 00:00 Introducing Jarvey Moss and Saibley01:33 Navigating Money in Supply Chains02:22 Understanding the Construction Industry15:53 Implementation and Benefits of Saible22:42 Future Plans and Expansion33:50 Closing Thoughts and Contact Information

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 years. Sarina outlines the significant role of big tech and partnerships in this space, mentioning that embedded finance in Europe could capture a significant revenue pool by 2030. The discussion also covers potential use cases for banks, challenges like funding drops, and the importance of data and smart partnerships. Banks must consider embedded finance strategies to address market shifts, though it may not be necessary for every bank to implement one immediately. The podcast encourages thought on how embedded finance can enhance customer experiences and market positioning. 00:00 Introduction to Sarina Deuble 01:17 Exploring the World of Embedded Finance 02:54 The Evolution of Embedded Finance 06:13 Future Prospects and Market Trends 11:41 Opportunities and Challenges for Banks 14:24 Strategic Partnerships and Market Dynamics 24:22 The Role of Big Tech and Market Competition 30:11 Investment Landscape and Business Models 31:12 Conclusion and Final Thoughts

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 partner.

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 Pakistan is different to Western countries• Why they decided to launch Neem in Pakistan• Which industries are most receptive for embedded finance and• What their forecast for the industry looks like

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 none of the cofounders had work experience in healthcare. Let's dive in!

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 sees the biggest opportunity for embedded lending.

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 advice to retailers that want to build and launch financial products.

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 offer a banking-as-a-service product in the EU. This acquisition is not the first time a European bank is acquiring a banking-as-a-service provider, but it might be the biggest one so far. Shaul and Lars are speaking about what we know about the acquisition and what this could mean for embedded finance and the banking landscape.

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 providers. When they understood the opportunity, they started to bring the payment stack in-house. In recent years they added lending and are exploring a wide range of other financial services. Which ones? Listen to the podcast and find out.

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 embedded finance opportunity for Evergreen could be What type of non-financial brands could consider to offer investment products How especially utility providers and travel companies are ideally positioned and what their product could look like I hope you enjoy the podcast episode! If you have any thoughts or personal experience in the space, please reach out. I am happy to continue the conversation.

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 market, and Peder's vision for the future.

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 services and how this move aligns with their broader business goals. Unique Business Perspective: Learn how Metro, a decades-old food wholesaler, successfully launched a fintech subsidiary to offer financial services to the hospitality sector. Strategic Insights: Discover why Metro chose to focus on a card product with 1% cashback and how this decision fits into their broader strategy. Customer-Centric Approach: Hear about the importance of understanding customer needs, particularly in a traditionally underserved sector, and how Metro tailored its offerings accordingly. Future Plans and Integration: Gain insights into Metro Financial Services' future plans to fully embed their financial products into Metro’s core business and enhance the customer experience. Don’t miss this episode packed with valuable lessons for any business looking to explore the embedded finance landscape.

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 offering.