Shows
Embedded Finance ReviewEmbedded Banking Done Differently: NoCFO’s Teemu Karuluoto on Choosing a Neobank Over BaaSMost startups building embedded banking follow a familiar path: pick a Banking-as-a-Service provider, integrate their APIs, and build a custom front end. But NoCFO, an AI-powered accounting platform, took a different approach. Instead of building banking from the ground up, they partnered with Holvi, a neobank targeting the same customers, and white-labeled the entire banking product.In this episode of the Embedded Finance Review Podcast, I’m joined by Teemu Karuluoto, founder and CEO of NoCFO. We dive into:Why partnering with a neobank made more sense than going the BaaS routeHow ICP alignment shaped their pa...
2026-01-2230 min
Embedded Finance ReviewBanxware's Lending Orchestration Layer: Connecting Platforms, Banks & SMEsWhat happens when embedded lending evolves from a nice-to-have experiment to a must-have competitive advantage?In this episode, I speak with Jens Roehrborn, co-founder of Banxware, a German embedded lending provider. Over the past six years, Jens has witnessed platforms transform their financing approaches for SME customers. E-commerce sites, neobanks, and accounting software have all embraced embedded lending.We dive deep into Banxware's strategic shift from direct lender to what Jens calls a "lending enabler." It's an orchestration layer that connects platforms with multiple funding sources, including traditional banks such as UniCredit's German subsidiary.
2026-01-1533 min
Embedded Finance ReviewHope Is Not a Strategy: What Makes Embedded Finance Partnerships Actually Work with Jas ShahHope is not a strategy. That's a line from today's episode that stuck with me. Because in embedded finance, too many partnerships are built on hope: hope that customers will come or hope that the product will fit. But the companies that actually succeed? They do the work upfront.Today I'm joined by Jas Shah, a fintech product consultant who has worked on both sides of embedded finance: from inside big banks like Citibank to advising fintechs on becoming "embedded ready."In this conversation, we explore:What separates successful embedded finance partnerships from the...
2026-01-0836 min
Breaking Banks EuropeEpisode 271: News From The Fintech Front (November 2025)In last month’s segment of #BBE, Elizabeth Kleinveld invited Lars Markull, founder of Embedded Finance Review, and Philipp Buschmann, CEO of AAZZUR. Celebrating the podcast’s sixth anniversary, the episode explores major trends across funding, regulation, partnerships, and the rapid rise of embedded finance. Key topics include the deep fintech–bank partnership between Allegro and PKO Bank Polski, Italy’s CDP blocking the sale of Nexi for strategic infrastructure reasons, and BaFin’s €45m fine against JP Morgan ahead of its 2026 Chase launch. Revolut expands with Booking.com via Revolut Pay, signaling its broader ecosystem ambitions. Funding trends show U.S. fint...
2025-11-2429 minProvoke.fm MediaEpisode 271: News From The Fintech Front (November 2025)In last month’s segment of #BBE, Elizabeth Kleinveld invited Lars Markull, founder of Embedded Finance Review, and Philipp Buschmann, CEO of AAZZUR. Celebrating the podcast’s sixth anniversary, the episode explores major trends across funding, regulation, partnerships, and the rapid rise of embedded finance. Key topics include the deep fintech–bank partnership between Allegro and PKO Bank Polski, Italy’s CDP blocking the sale of Nexi for strategic infrastructure reasons, and BaFin’s €45m fine against JP Morgan ahead of its 2026 Chase launch. Revolut expands with Booking.com via Revolut Pay, signaling its broader ecosystem ambitions. Funding trends show U.S. fint...
2025-11-2429 min
Embedded Finance ReviewBuilding Embedded Payments Right with Alex Schoonkind from EmbedEmbedded payments sounds simple: integrate a provider, monetize transactions, watch revenue grow. But the reality is far more nuanced.In this episode, I sit down with Alex Schoonkind, Cofounder and CEO of Embed, to unpack what it really takes to successfully embed payments into your vertical SaaS platform.Alex shares hard-earned insights from working with dozens of platforms, revealing the common misconceptions that hold companies back, the timing considerations most founders get wrong, and why thinking like a financial services company is non-negotiable before you start.Key Takeaways:The two misconceptions: companies...
2025-11-1340 min
Embedded Finance ReviewBreaking into Embedded Finance: Building Your Fintech Team from Zero with Morten LauferYou've decided to build a Fintech product. Now comes the hard part: hiring the right team.Should your first hire be a product manager or a compliance expert? Do you need dedicated Fintech developers, or can your existing tech team handle it? How do you actually convince top Fintech talent to join a non-financial brand?In this episode, I sit down with Morten Laufer from Nova Search, a Hamburg-based Fintech and embedded finance recruiter who works with both Fintech companies and non-financial brands to build their teams. We discuss the real challenges of breaking into...
2025-10-3033 min
Embedded Finance ReviewEmbedded Insurance for Horses: How Equine MediRecord Tackles Massive Underinsurance with Kayna and WTWIn this episode, Lars explores embedded insurance through an unusual but fascinating lens: horses.Finlay Dargan (COO, Equine MediRecord), Paul Prendergast (Kayna), and Anthony Borgman (WTW) share how they partnered to bring mortality insurance directly into a horse health record management platform.The conversation reveals broader insights about embedded insurance opportunities, the challenges of serving underinsured markets, and why this distribution model is 3-4 years behind embedded fintech.Key Insights:The opportunity: The vast majority of horses globally have no insurance due to difficulty obtaining coverage and high costs, creating significant financial...
2025-10-1634 min
Trading Tomorrow - Navigating Trends in Capital MarketsThe Evolution of Embedded FinanceThis episode explores the growing role of embedded finance in capital markets and beyond. We discuss how companies are approaching payments, lending, insurance, and investments, and examine the factors driving adoption across sectors and geographies. Guest Lars Markull, embedded finance consultant and founder of Embedded Finance Review, shares case studies, examples of both successes and failures, and considerations for infrastructure choices, leadership backing, and long-term sustainability.
2025-10-0926 min
Embedded Finance ReviewBuilding the Real Estate Operating System with GetMomo's Marcel MeitzaWhat if property managers across Europe are spending hours every day just trying to figure out which tenants have paid their rent? In this episode, I speak with Marcel Meitza, founder and CEO of GetMomo, a Berlin-based vertical Fintech building what he calls "the real estate operating system for Europe."With a background in banking and consulting at BCG, Marcel identified a massive opportunity in an industry where the average property manager oversees 900 units and hundreds of bank accounts but still relies on manual spreadsheets and outdated processes to track payments and allocate funds.
2025-10-0233 min
Embedded Finance ReviewHow Nivoda Built 'Buy Now, Grow Faster' for the Global Jewellery Trade with Stefan ScherpenborgWhat if jewellery retailers could access thousands of dollars in inventory with just a few clicks and no upfront cash? In this episode, we sit down with Stefan Scherpenborg, Head of Nivoda Capital, to explore how they're revolutionising B2B financing in the global jewellery trade.Stefan shares how Nivoda transformed from a diamond and gemstone marketplace into a comprehensive growth platform, building embedded credit from the ground up to solve cash flow constraints that were limiting retailer growth.Why traditional banks abandoned jewellery financing: How marketplace data creates superior underwriting opportunitiesThe "Buy...
2025-09-1831 min
Embedded Finance ReviewFrom Quote-to-Cash: PandaDoc's Embedded Payments Story with Philipp PohlmannHow do you take a document-first SaaS and scale it into a global quote-to-cash platform? In this episode, Philipp Pohlmann shares his journey from fintech founder to scaling embedded payments into one of PandaDoc’s most strategic pillars. He breaks down the product, technical, and organizational challenges of embedding finance in a non-financial platform. Key Takeaways: Lessons from embedding payments for 60,000+ customers worldwide Why “thinking like a fintech” is essential How to design invisible fintech experiences Building global infrastructure with Stripe, Square, PayPal, and Authorize.Net Strategic decision points when an incubation evolves into a...
2025-09-0434 min
Embedded Finance ReviewEmbedded Finance Thriving in Central & Eastern Europe (CEE) with Danuta Czapeczko from PragmaGO🎯 Think embedded finance only happens in the US and Western Europe? Think againIn this episode, Lars dives deep into the thriving embedded finance ecosystem of Central & Eastern Europe with Danuta Czapeczko, an industry veteran from PragmaGO - the region's largest embedded lending provider.🔍 What You'll Discover:Why Poland has 380+ FinTech companies you've never heard ofHow Allegro (Europe's first marketplace) is crushing embedded financeThe surprising transportation and retail innovations happening in CEEWhy Romanian expansion makes more sense than neighbouring countriesHow innovative local banks are helping, not hurting, FinTech growth💡 Key Insights...
2025-08-2130 min
Embedded Finance ReviewHow Procounter is Making Neobanks Useless: Embedded Banking at Scale with Juho PutkonenDiscover how Procounter, Finland's largest accounting software company, is revolutionising small business banking through embedded finance.Guest Juho Putkonen sits down with host Lars Markull to discuss how they're making neobanks obsolete by building banking services directly into their invoicing and accounting platform.Procounter serves over 100,000 Finnish companies through their accounting software (~13.5% of Finland's GDP in invoices). But they identified a massive pain point: traditional banks were charging businesses around €80 per month just for data transfers between bank accounts and accounting software, with weeks-long onboarding processes.Their solution? Partner with challenger bank Alisa Ba...
2025-08-0737 min
Ventures from The ValleyLars Markull on Embedded Finance: the Good, the Bad, and What's NextIn this episode of Ventures from the Valley, host Victor Orlovski sits down with embedded finance expert Lars Markull to explore how non-financial companies can unlock new revenue streams by integrating banking services. They unpack successful case studies, common pitfalls, and the future of embedded finance across regions like Europe, the US, and Asia. From choosing the right infrastructure partners to aligning strategy with customer value, this conversation is a must-listen for business leaders, investors, and financial institutions navigating today’s digital economy.What you will learn:How to identify the three critical elements of...
2025-08-0659 minVentures from The ValleyLars Markull on Embedded Finance: the Good, the Bad, and What's NextIn this episode of Ventures from the Valley, host Victor Orlovski sits down with embedded finance expert Lars Markull to explore how non-financial companies can unlock new revenue streams by integrating banking services. They unpack successful case studies, common pitfalls, and the future of embedded finance across regions like Europe, the US, and Asia. From choosing the right infrastructure partners to aligning strategy with customer value, this conversation is a must-listen for business leaders, investors, and financial institutions navigating today’s digital economy.What you will learn:How to identify the three critical elements of...
2025-08-0659 min
Embedded Finance ReviewBank Partnerships 2.0: Why Fintech Lessons Matter for Embedded Finance with Richard Würl from RedstoneThe partnership landscape between financial institutions and tech companies is rapidly evolving. What started as Fintech startups challenging banks has transformed into a collaborative ecosystem where embedded finance is the next frontier.In this episode, host Lars Markull sits down with Richard Würl from Redstone VC to decode the five partnership models that actually work when collaborating with banks and financial institutions.Richard shares insider insights from Redstone's portfolio companies, including Atlas Metrics (ESG reporting) and Banxware (Embedded Lending), revealing how both Fintech startups and non-financial brands can successfully navigate bank partnerships.K...
2025-07-2438 min
Embedded Finance ReviewPeace of Mind as a Product: How ToolTime Turned Payment Friction into Their Next Revenue StreamMarcel Mansfeld, co-founder and CPO of ToolTime, shares how his German craft industry software company successfully launched embedded payments after raising € 55 million. From serving over 20,000 tradespeople with paperless workflows to building ToolTime Pay, Marcel reveals the challenges, learnings, and strategic decisions behind integrating finance into vertical software.Main Takeaways:Timing is everything: Don't rush into embedded finance; build core product maturity and a sufficient customer base first before adding financial servicesOpen banking vs. embedded accounts: Why ToolTime chose embedded banking over open banking APIs for a better user experience, especially for less tech-savvy customersThe pivot lesson: Th...
2025-07-1034 min
Embedded Finance ReviewFrom Food Delivery to Embedded Finance - Wolt's Journey to Financial Services with Anniina HeinonenSome companies have Fintech in their DNA, even though they're not from the financial services industry. Wolt, the Finnish food delivery platform, is one of these companies that has built embedded finance operations across Europe.In this episode, host Lars Markull speaks with Anniina Heinonen, Managing Director at Wolt Payments, about how a restaurant platform evolved into a regulated financial institution operating across more than 20 European markets. What started as PSD2 compliance in 2021 has become a suite of financial products.Anniina explains how Wolt has always been a Fintech company, managing payment flows across 30+ markets...
2025-06-2637 min
Embedded Finance ReviewBuild vs. Buy for Embedded Lending: A Founder's Hard-Won Lessons with Mark HollemannAre you thinking about adding embedded lending to your platform?Mark Hollemann, co-founder of Spring (a B2B embedded lending provider that reached $1 million in ARR before shutting down), shares the real story behind build vs. buy decisions in embedded lending.From underwriting engines to debt financing, Mark breaks down what it takes to build lending products—and why most companies should think twice.Key Topics:The three core building blocks of any lending platform (licensing, underwriting, servicing)Why marketplaces are uniquely positioned for embedded lending successHow to evaluate embedded lending providers an...
2025-06-1237 min
Pantrium, Human Side of FinTechWhy Your Favorite Brands Act Like Banks - With Lars MarkullFrom offering wallets and payments to launching lending products — the smartest brands aren’t just selling things anymore. They’re building financial products.In this episode of Pantrium, we dive into this shift with Lars Markull. He’s an advisor, startup veteran, and the brain behind Embedded Finance Review — and he’s got a front-row seat to how non-fintech brands are turning finance into a feature.We get into: - How marketplaces, SaaS platforms, and even retailers are embedding financial services - Why this isn’t about hype — it’s about solving real custo...
2025-05-3034 min
Embedded Finance ReviewAccountable built an embedded banking product because PSD2 failed them with Tino KellerIn this episode, Lars Markull is joined by Tino Keller, co-founder of Accountable, the freelancer-focused finance app active in Belgium and Germany. We explore how Accountable evolved from an intelligent tax assistant into a full-embedded banking solution and why now was the right time to launch their own bank account and card for freelancers.🔍 Topics we cover:Why open banking wasn’t enough for Accountable’s usersWhat pushed them to launch a fully integrated bank accountHow embedded banking increased user revenue by 20%Building a banking product with BaaS provider SwanWhat the acquisition by Visma means f...
2025-05-2828 min
Fintech DaydreamingLive from Nordic Fintech Summit 2025 – Buzzwords, Bankers & BanterThis week, Fintech Daydreaming goes live from the heart of Helsinki for a special episode recorded at the 2025 Nordic Fintech Summit! With espresso (and later some beers) in hand and mics at the ready, Pål and Ville roamed the event to capture the freshest insights, boldest predictions, and too many slightly questionable karaoke references.We caught up with:• Janne Salminen, CEO of Helsinki Fintech Farm and event mastermind, on what makes this year’s summit bigger, better, and even more Nordic.• Christie H. Kristensen from Danske Bank, on whether open banking is finally living up to the hyp...
2025-05-2347 min
Embedded Finance ReviewFrom Starbucks' Wallet 1.0 to Merchant Wallets 2.0 with Arda CagaptayIn this episode of Embedded Finance Review, host Lars Markull speaks with Fintech veteran Arda Cagaptay about the evolution and future of merchant wallets. With 15 years of experience in Fintech and previously leading wallet initiatives at Delivery Hero, Arda shares his expertise on why merchant wallets are becoming increasingly valuable for businesses beyond just coffee chains.The conversation explores:The difference between "Wallet 1.0" (basic prepaid balances) and "Wallet 2.0" (comprehensive financial ecosystems)Why Starbucks has been so successful with their wallet strategy ($1.7B in customer funds)How smaller merchants can implement wallet solutions without building from scratchWhich...
2025-05-0137 min
Embedded Finance ReviewWhat's next for Banking-as-a-Service in Europe and Saudi Arabia with Sophie GuibaudIn 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 ecosystemKey Highlights:Sophie traces BaaS evolution from primarily serving FinTechs to now supporting diverse business models and niche-specific platformsDiscussion of the advantages that traditional banks bring to BaaS and the execution challenges they faceExploration of Saudi Arabia's Vision 2030 plan, aiming to establish 525 Fintech...
2025-04-1732 min
Embedded Finance ReviewThe Complex World of Travel Payments with Eric-Jan Krausch of 1-CPIn 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 bookings to global distribution systems, and explains how payments flow through this ecosystem. Eric details the growing trend of virtual cards for B2B payments in travel, discusses why credit cards remain dominant in the industry despite newer...
2025-04-0339 min
Embedded Finance ReviewJobs To Be Done - Why Embedded Finance Must Solve Real Problems with Paul StaplesIn 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 rely solely on brand power instead of solving customers' jobs to be done.Paul explains how embedded finance has evolved from simply placing financial services where customers already are to requiring deep integration with specific pain points...
2025-03-2038 min
Embedded Finance ReviewReinventing Banking for Property Managers - with Enrique Sanchez from IESA (Aareon Spain)Embedded Finance Deep Dive: Reinventing Banking for Property ManagersEnrique 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 eye-opening look at vertical SaaS meets embedded finance!For more content visit https://www.embeddedfinancereview.com. This episode was produced by orama.tv.(00:00) Introduction to the Podcast(01:36) Overview of IESA and...
2025-03-0633 min
Reinventing FinanceThe Reinventing Finance Podcast - Episode 58 with Lars Markull, Embedded Finance Advisor & PodcasterIn this episode of the Reinventing Finance Podcast, KASKO CEO & Co-Founder Nikolaus Sühr welcomed Lars Markull, embedded finance expert and host of the Embedded Finance Review Podcast, to discuss together how insurers can harness embedded finance models to drive customer engagement, unlock new revenue opportunities, and strategically integrate financial services into their offerings.They dive into real-world embedded finance use cases that demonstrate how financial products can be embedded seamlessly into insurance and other industries, reshaping customer experiences and business models.Here are some of the topics discussed in the podcast:📍The role...
2025-03-0448 min
Embedded Finance ReviewEmbedded Car Financing in Saudi Arabia with Ali Tabbalat from EmFlexHost 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 enables financial institutions to offer services directly within e-commerce platforms.The conversation covers Ali's entrepreneurial journey, why Saudi Arabia is an emerging Fintech hub, and how embedded finance represents the "wave two of fintech" that will...
2025-02-2034 min
Embedded Finance ReviewWhy does a pet retailer offer insurance products? With Christopher Meyer-Mölleringhof from FressnapfIn 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 pet retailer into a comprehensive pet care ecosystem. He explains the company's unique approach to embedded insurance, which offers health insurance for dogs and cats and liability insurance for dogs through co-branded partnerships in Germany and its white-label solution in France.
Key highlights include:
- How F...
2025-02-0629 min
Embedded Finance ReviewAre in-car payments the future of automotive commerce? With Mark Gerban from PairpointExplore 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 automotive commerce.
This episode is produced by Orama.tv.
(00:00) Introduction to the Podcast
(00:33) Guest Introduction: Mark Gerben
(01:29) The Evolution of Car Payments
(05:39) Challenges and Opportunities in Car Payments
(10:06) Future of Car...
2025-01-2338 min
Embedded Finance ReviewHow can banks fight back in embedded finance? With Hessel Kuik from BizcuitIn 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 evolution of banking services, from traditional banks to neo-banks and banking-as-a-service providers, and how PSD2 regulations opened new market opportunities. Hessel also discusses Bizcuit's expansion plans into Germany and Belgium, its partnership with Mastercard, and its vision...
2025-01-0931 min
Embedded Finance ReviewRecap 2024: The biggest stories in embedded finance with Sam BoboevThe 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 retailers, the role of banks, vertical SaaS areas and more.
Visit our website at www.embeddedfinancereview.com for more content.
2024-12-1241 min
Embedded Finance ReviewWhich brands should get into embedded insurance? With Nikolaus Sühr from KaskoIn 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 website at www.embeddedfinancereview.com for more content.
This episode was produced by Orama.tv.
00:00 Introduction and Welcome
01:22 Defining Embedded Insurance
02:32 Use Cases of Embedded Insurance
05:18 Types of Insurance P...
2024-11-2937 min
3x3=10 – Der Open-Finance-Podcast über Daten, Banking & die ZukunftEmbedded Finance ist alles und nichtsIn dieser Episode diskutieren wir mit einem echten Emebedded Finance Experten die Konzepte und Herausforderungen von Embedded Finance. 🤓Lars Markull teilt seine Erfahrungen aus der Fintech-Branche und erklärt, wie Unternehmen Finanzprodukte integrieren können, um ihren Kunden einen Mehrwert zu bieten. Die Formel ist angeblich 1+1=3 🤷🏻♂️ Da kann jemand genau so schlecht rechnen, wie wir 🤪Wir sprechen auch über die verschiedenen Arten von Embedded Finance, die Rolle von Kooperationen und Partnerschaften sowie die Herausforderungen, die Banken und Nicht- Finanzunternehmen bei der Implementierung von Embedded Finance gegenüberstehen. Viel Spaß be...
2024-11-2044 min
Embedded Finance ReviewDid Switzerland reach the embedded finance tipping point? With Manuel Thomet from SynpulseIn 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...
2024-11-1440 min
INVESTOLOGY: re-think investment managementEvery company CAN become a fintech company | Lars Markull - Embedded Finance ReviewIn this rebirth of the FinTech Files podcast, George Aliferis speaks to Lars Markull about embedded finance, discussing its progression, challenges, and potential future developments. The conversation covers notable examples such as Shopify and Starbucks which show successful integration of financial services to enhance customer value. Lars touches on the importance of selecting the right partners, the nuances of different financial products, and the potential for embedded finance in sectors like B2B, B2C, and beyond. The discussion also explores the idea of 'fantasy fintech' and how non-financial companies can creatively integrate financial services to drive revenue and...
2024-11-1232 min
DisContent - How complex industries sell with contentThe art of blending content and consulting services (Embedded Finance Review)The term “embedded finance” is hugely popular in fintech and gaining traction more broadly. The potential is huge—$7 trillion by 2030. Yet a significant knowledge gap exists among non-financial brands and tech companies. To bridge this divide, Lars Markull, an embedded finance adviser who supports brands, infrastructure providers, and banks as they explore and build embedded finance products, has embarked on a content creation journey that includes blog posts, newsletters, podcasts, and events. He’s rapidly built a significant niche following and attracted sponsors, with indirect benefits to his main consulting business. He shared his insights about his content...
2024-11-0711 min
Embedded Finance ReviewHow to solve payments for the construction industry? With Jarvey Moss from SaibleToday 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...
2024-11-0137 min
Embedded Finance ReviewDoes every bank need an embedded finance strategy? With Sarina Deuble from McKinseyIn 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...
2024-10-1838 min
Embedded Finance ReviewA deep dive into the European banking and payment ecosystem with William LorenzIn 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.
2024-10-0441 min
Payment & Banking Fintech Podcast#494: Hat Embedded Finance eine Chance?Lars Markull, Miriam Wohlfarth, Christian Steiger & Anna Fromme-Schoen
Es ist eines der Buzzwords der vergangenen Jahre: Embedded Finance. Dahinter versteckt sich die Idee, dass auch Firmen abseits der Finanzbranche beispielsweise Konten, Kredite oder andere Produkte anbieten können. War das Thema einst heiß diskutiert, ist es zuletzt etwas ruhig geworden um den Modebegriff. Was also sagen Miriam Wohlfarth (Payment & Banking, Banxware), Christian Steiger (Lexware) und Anna Fromme-Schoen (Tide) zum aktuellen Stand und dann auch zum Potenzial des Marktes im Bereich KMU?
Miriam Wohlfarth sieht naturgemäß mehr Chancen als Hürden und sieht Embedded Finance auch quer über alle B...
2024-09-2830 min
Embedded Finance ReviewHow does Embedded Finance work in Pakistan?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
2024-09-2043 min
Embedded Finance ReviewFintech meets healthtech: How Nelly is building a financial service provider for the healthcare industryToday 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!
2024-09-0637 min
Embedded Finance ReviewHow does embedded lending work around the globe?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.
2024-08-2738 min
Embedded Finance ReviewWhy did Swiss retailer Coop shut down its banking product and how can retailers succeed in embedded finance?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.
2024-08-1335 min
Embedded Finance ReviewWhy did UniCredit acquire Vodeno and Aion Bank?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...
2024-07-3038 min
Embedded Finance ReviewHow Mews is turning a hotel-focused SaaS product into a fintech playIn 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...
2024-07-1633 min
Embedded Finance ReviewEvergreen: Can utility providers embed investment products?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...
2024-07-0230 min
Embedded Finance ReviewCloover: How embedded lending can transform renewablesIn 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.
2024-06-1833 min
Embedded Finance ReviewMetro FS: Why a food wholesaler is building embedded finance products for the hospitality industryIn 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.
St...
2024-06-0432 min
Embedded Finance ReviewIntroducing the Embedded Finance Review PodcastI 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.
2024-05-2701 min
Talk Between the TowersMehr als Bollywood! - FinTech-Trends aus Indien (#103)Ein Blick über den Tellerrand ist manchmal sehr sinnvoll. Genau das tun wir in dieser Folge und fragen: Was ist eigentlich in Indien und UK im FinTech- und Banking-Markt so los?
Das diskutieren Dirk und Dennis mit Experte Lars Markull von Embedded Finance Review.
Die nächste Folge erscheint in ein paar Tagen! - Abonniert uns direkt hier oder folgt uns auf LinkedIn, um keine Episode zu verpassen.
Alles weitere über unseren Podcast findest du hier: neosfer Podcast.
2024-04-2945 min
Fintech Insights & Conversations with Efi PylarinouBeyond BigTech: Embedding Finance for Every Business#embeddedfinance #fintech #finance Businesses of all sorts now have the opportunity to serve their customers better, acquire new customers, and add new revenue streams, by embedding financial services in their businesses. It is no longer prohibitively expensive. The landscape of providers offering embedding services in compliant ways is growing. Listen to the conversation on this topic with Lars Markull https://www.linkedin.com/in/larsmarkull/ whose been working in Open Banking and Embedding Finance for more than a decade.Lars Markull is an embedded finance advisor and fintech investor. He works...
2023-11-0132 min
Talk Between the TowersBanking-as-a-Service: Nischenbildung jetzt? (#61)Banking-as-a-Service, kurz BaaS, ist die Grundlage für viele aktuelle Trends wie Vertical Banking oder Embedded Finance. Doch wir sehen auf dem BaaS-Markt immer mehr Bewegung und einzelne Anbieter, die sich (z. B. Upvest, lemon.markets) auf einzelne Segemente fokussieren und dort ihre Services anbieten. Ist das nur eine Phase oder der Beginn eines größeren Trends? Genau das wollten wir wissen und haben uns deshalb Lars Markull (weavr.io) ins virtuelle Podcast-Studio eingeladen. Aufgrund von Urlaubs- und Krankheitssituation heute mit Gast-Host Dennis.
Freut euch auf ein Gespräch über:
01:10 - Was Lars bisher so gemac...
2022-08-2535 min
SaaS Pioneers GermanyFintech - Finanzwelt der Zukunft - mit Lars Markull von weavr.ioHeute im Gespräch mit Sergio ist Lars Markull, DACH Market Development Director bei Weavr. Weavrs Plug-and-Play Finance Lösungen machen es für Unternehmen möglich, Finanzdienstleistungen überall zu integrieren, wo sie die Kunden benötigen.
Die beiden besprechen Lars Werdegang in der Fintech-Branche, seine Tätigkeit als Angel Investor und spannende Insights von Weavr.
Weitere Infos auf Home
2022-07-251h 06
Paymentandbanking FinTech PodcastBanking as a Service: Wie ist der Status Quo und wo geht die Reise hin? - FinTech Podcast #349Mit BaaS kann jedes Unternehmen zur Bank werden. Wie sich der Bereich in den letzten Jahren entwickelt hat und wohin die Reise geht, darüber diskutieren wir.
Gäste: Dr. Lea Maria Siering (finleap connect), Lars Markull (Weavr), Andreas Wolf (Raisin Bank), Gökhan Nazenin (FIS Global)
Moderation: Miriam Wohlfarth (Payment & Banking)
Diese Episode ist eine Audioaufzeichnung des gleichnamigen Panels von der Banking Exchange 2021 in Frankfurt.
2021-11-1952 min
Payment & Banking Fintech PodcastBanking as a Service: Wie ist der Status Quo und wo geht die Reise hin?FinTech Podcast #349: Banking as a Service: Wie ist der Status Quo und wo geht die Reise hin?
Mit BaaS kann jedes Unternehmen zur Bank werden. Wie sich der Bereich in den letzten Jahren entwickelt hat und wohin die Reise geht, darüber diskutieren wir.
Gäste: Dr. Lea Maria Siering (finleap connect), Lars Markull (Weavr), Andreas Wolf (Raisin Bank), Gökhan Nazenin (FIS Global)
Moderation: Miriam Wohlfarth (Payment & Banking)
2021-11-1952 min
Disruption Talks by NetguruEp. 50 Why Embedded Banking Should Move Beyond the Fintech Bubble with - Lars Markull, Weavr.ioIs it time for embedded banking to break out of the fintech bubble?Like open banking and banking as a service, embedded banking is something more commonly targeted towards other fintech companies. However, it’s not just the fintechs out there that could use a way to integrate financial solutions. Businesses in all different industries now need seamless financial solutions, and that’s where Weavr comes in. Weavr allows companies to embed banking and payments into products, platforms, or mobile apps. It targets industries such as education, health & wellness, and real estate to help them integrate fina...
2021-10-1954 min
Finance Forward – der Podcast für die neue FinanzweltFinanceFWD #95 mit Weavr-Manager Lars Markull
Lars Markull gehört zu den Fintech-Gründern der ersten Stunde, zusammen mit dem Szenekopf André Bajorat baute er das Open-Banking-Startup mit Figo auf. Nach einem beruflichen Abstecher nach Indien ist er nun im Management vom aufstrebenden Banking-as-a-Service-Anbieter Weavr gelandet. Was wirklich hinter dem Buzzword „Embedded Banking” steckt und welche Tech-Unternehmen in der Zukunft Fintech-Produkte integrieren, darüber hat Lars Markull im Podcast gesprochen. ---- Werbepartner der heutigen Folge ist die Sprechtrainerin Carolin Mylord. Ihr erreicht sie unter info [at] carolin-mylord [dot] de.
2021-08-1832 min
Payment & Banking Fintech PodcastFinTech Podcast #184 - RegShieldUm Eins vorweg zu nehmen, ja wir sprechen über ei…
Um Eins vorweg zu nehmen, ja wir sprechen über ein figo Produkt. Wie die meisten wissen ist unser Mitglied André Geschäftsführer und Gründer von figo. Warum sprechen wir darüber, weil es eine unfassbare Relevanz hat und wichtig ist für das uns alle betreffende Thema PSD2.
Kilian hat sich in den dieswöchigen Podcast zwei Experten eingeladen um mit ihnen über die Lizenz als Servicedienstleistung und die Chancen der PDS2 zu sprechen.
Cornelia Schwertner (CRO von figo GmbH und Co-Chair der EFA), eine beeindruckende Frau mit unfassbarer...
2018-12-0744 min
Paymentandbanking FinTech PodcastFinTech Podcast #184 - RegShieldUm Eins vorweg zu nehmen, ja wir sprechen über ein figo Produkt. Wie die meisten wissen ist unser Mitglied André Geschäftsführer und Gründer von figo. Warum sprechen wir darüber, weil es eine unfassbare Relevanz hat und wichtig ist für das uns alle betreffende Thema PSD2.
Kilian hat sich in den dieswöchigen Podcast zwei Experten eingeladen um mit ihnen über die Lizenz als Servicedienstleistung und die Chancen der PDS2 zu sprechen.
Cornelia Schwertner (CRO von figo GmbH und Co-Chair der EFA), eine beeindruckende Frau mit unfassbarer Kompetenz und einer wichtigen Rolle.
Hinzu kommt Lars Markull. Lars ist...
2018-12-0744 min
Paymentandbanking FinTech PodcastFinTech Podcast #123 - News von der PSD2 FrontIm heutigen FinTech Podcast spricht Kilian mit unseren Gästen mal wieder über PSD2. Ein Thema, dass uns bei Paymentandbanking schon sehr lange begleitet und wir auch so schnell nicht loswerden, da es irgendwie immer brandaktuell ist und bleibt.
Kilian hat sich profunde PSD2-Kenner als Gäste dazu genommen: Cornelia Schwertner, Head of Regulation von figo, sowie Lars Markull API Evangelist aka The FinTech Wiki bei figo.
Es wurde Zeit für ein „Update von der Front“, direkt live aus den Gremien und Diskussionsrunden unterschiedlicher Initiativen zur PSD2. Sogar die Berlin Group wurde wieder aufgetaut („Rock you like a hurricane“...
2017-10-2754 min
Payment & Banking Fintech PodcastFinTech Podcast #123 - News von der PSD2 FrontIm heutigen FinTech Podcast spricht Kilian mit un…
Im heutigen FinTech Podcast spricht Kilian mit unseren Gästen mal wieder über PSD2. Ein Thema, dass uns bei Paymentandbanking schon sehr lange begleitet und wir auch so schnell nicht loswerden, da es irgendwie immer brandaktuell ist und bleibt.
Kilian hat sich profunde PSD2-Kenner als Gäste dazu genommen: Cornelia Schwertner, Head of Regulation von figo, sowie Lars Markull API Evangelist aka The FinTech Wiki bei figo.
Es wurde Zeit für ein „Update von der Front“, direkt live aus den Gremien und Diskussionsrunden unterschiedlicher Initiativen zur PSD2. Sogar die Berlin Group wurde...
2017-10-2754 min
Paymentandbanking FinTech PodcastFinTech Podcast #030 – Bankathon 2.0Heute ein Podcast ohne Jochen und dafür mit Lars Markull (figo), Ramin Nikbin (Jolly Rogers) und Michael Maier (gini), über den kommenden Bankathon vom 16.-18.11.2015 in Frankfurt.
2015-10-1449 min
Payment & Banking Fintech PodcastFinTech Podcast #030 – Bankathon 2.0Heute ein Podcast ohne Jochen und dafür mit Lars …
Heute ein Podcast ohne Jochen und dafür mit Lars Markull (figo), Ramin Nikbin (Jolly Rogers) und Michael Maier (gini), über den kommenden Bankathon vom 16.-18.11.2015 in Frankfurt.
2015-10-1449 min
Paymentandbanking FinTech PodcastFinTech Podcast #014 – Rückblick Bankathon und Exec I/O FinTechIn der heutigen 14 Folge des paymentandbanking FinTech Podcast gab es gemeinsam mit zwei Gästen einen Rückblick auf zwei Events: Den ersten Bankathon von gini und figo sowie die Exec I/O FinTech die beide in den letzten Tagen in Frankfurt stattfanden.
Jochen und ich hatten dabei Unterstützung von Steffen Reitz von gini und meinem figo-Kollegen Lars Markull.
Gemeinsam haben wir den sehr inspirierenden und erfolgreichen Bankathon nachbetrachtet, die Gewinner gewürdigt und anschliessend noch kurz über das FinTech Klassentreffen Exec I/O gesprochen.
2015-04-3046 min
Payment & Banking Fintech PodcastFinTech Podcast #014 – Rückblick Bankathon und Exec I/O FinTechIn der heutigen 14 Folge des paymentandbanking Fi…
In der heutigen 14 Folge des paymentandbanking FinTech Podcast gab es gemeinsam mit zwei Gästen einen Rückblick auf zwei Events: Den ersten Bankathon von gini und figo sowie die Exec I/O FinTech die beide in den letzten Tagen in Frankfurt stattfanden.
Jochen und ich hatten dabei Unterstützung von Steffen Reitz von gini und meinem figo-Kollegen Lars Markull.
Gemeinsam haben wir den sehr inspirierenden und erfolgreichen Bankathon nachbetrachtet, die Gewinner gewürdigt und anschliessend noch kurz über das FinTech Klassentreffen Exec I/O gesprochen.
2015-04-3046 min