Lars Markull

Helping companies design & launch financial products. Founder of Embedded Finance Review.

News

Oct 28, 2025

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10 min read

Allica Bank buys Kriya + Wayflyer's platform play

Allica Bank acquires embedded lending platform Kriya. Wayflyer launches Hosted Capital for platform financing. MrBeast files trademark for MrBeast Financial.

Lars Markull

Newsletter

SAP and Oracle continue embedded journey, Betterfly shares Spanish card insights

Oct 21, 2025

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9 min read

SAP and Oracle continue embedded journey, Betterfly shares Spanish card insights

SAP and Oracle embed native payment capabilities with Adyen, Brex, and KNEX. Betterfly achieves 80% card adoption in Spain's employee benefits market through built-in compliance.

Lars Markull

Podcast

Embedded Insurance for Horses: How Equine MediRecord Tackles Massive Underinsurance with Kayna & WTW

Oct 16, 2025

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8 min read

Embedded Insurance for Horses: How Equine MediRecord Tackles Massive Underinsurance with Kayna & WTW

Discover how Equine MediRecord solved the global horse insurance crisis with embedded insurance. Learn why 99% of horses are uninsured and how vertical SaaS platforms can close protection gaps.

Lars Markull

Newsletter

How Europe's Largest Marketplace Built a Lending Business Rivalling Banks

Oct 14, 2025

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9 min read

How Europe's Largest Marketplace Built a Lending Business Rivalling Banks

Allegro funds 15% of GMV through embedded lending at bank scale. Plus: payroll provider savings accounts and the rise of Embedded Everything services.

Lars Markull

Newsletter

Worldpay vs. Stripe & Adyen: Can they catch up in embedded finance?

Oct 7, 2025

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12 min read

Worldpay vs. Stripe & Adyen: Can they catch up in embedded finance?

Worldpay launches embedded finance with Unit to challenge Stripe and Adyen. Plus Reverb's marketplace wallet strategy with Ansa. Deep dive analysis.

Lars Markull

Podcast

Building the Real Estate Operating System with GetMomo's Marcel Meitza

Oct 2, 2025

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7 min read

Building the Real Estate Operating System with GetMomo's Marcel Meitza

Marcel Meitza from GetMomo explains how his vertical fintech built banking infrastructure for European property managers, solving payment workflows through German bank partnerships and ERP integrations.

Lars Markull

Newsletter

Sep 30, 2025

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10 min read

Virtual event: Co-brands vs EF + Why Sibill's Italy launch matters

Register for our co-brand vs embedded finance debate with David Parker. Also: Why Sibill's Italian embedded banking launch is breaking new ground in Europe.

Lars Markull

News

Hnry Expands to UK, Partners with Edenred Payment Solutions

Sep 29, 2025

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2 min read

Hnry Expands to UK, Partners with Edenred Payment Solutions

New Zealand fintech Hnry expands to the UK with Edenred Payment Solutions, offering sole traders automated tax management, payment accounts, and debit cards ahead of the UK's Making Tax Digital initiative in April 2026.

Lars Markull

News

Italian Digital Accounting Provider Sibill Launches Embedded Banking Product

Sep 29, 2025

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2 min read

Italian Digital Accounting Provider Sibill Launches Embedded Banking Product

Italian digital accounting provider Sibill launches embedded banking with Swan, offering modular debit cards and payment accounts. Analysis of what makes this launch significant for Italy's fintech landscape and the embedded finance market.

Lars Markull

Newsletter

Sep 23, 2025

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14 min read

Odoo's Global Expense Card Launch: 15M Users, 175 Countries - The Biggest Embedded Banking Launch Yet?

Odoo launches global expense cards for 15 million users via Stripe partnership, while Gusto expands into embedded finance with credit and bill pay. Plus: Club Brugge's innovative fan debit card launch.

Lars Markull

News

Club Brugge Launches Embedded Finance Debit Card: How Football Clubs Are Moving Beyond Traditional Banking Partnerships

Sep 22, 2025

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3 min read

Club Brugge Launches Embedded Finance Debit Card: How Football Clubs Are Moving Beyond Traditional Banking Partnerships

Club Brugge launches Club Pay, an embedded finance debit card for fans. How football clubs are moving beyond traditional banking partnerships to offer financial services.

Lars Markull

News

Gusto Launches Gusto Money: Payroll Provider Expands Into Embedded Finance With Credit, Bill Pay, and Invoicing

Sep 19, 2025

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4 min read

Gusto Launches Gusto Money: Payroll Provider Expands Into Embedded Finance With Credit, Bill Pay, and Invoicing

Gusto launches Gusto Money with embedded finance features: Payroll Bridge lending, bill pay via Melio, and invoicing. How payroll providers are expanding into fintech.

Lars Markull

News

Odoo Launches Global Expense Management Card with Stripe and Mastercard Partnership

Sep 19, 2025

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3 min read

Odoo Launches Global Expense Management Card with Stripe and Mastercard Partnership

Odoo launches global expense management cards with Stripe and Mastercard, targeting 15 million users across 175+ countries. Learn why this matters.

Lars Markull

Podcast

How Nivoda Built 'Buy Now, Grow Faster' for the Global Jewellery Trade with Stefan Scherpenborg

Sep 18, 2025

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5 min read

How Nivoda Built 'Buy Now, Grow Faster' for the Global Jewellery Trade with Stefan Scherpenborg

Stefan Scherpenborg reveals how Nivoda built embedded credit for jewelry retailers, using marketplace data for superior underwriting and growth financing.

Lars Markull

Newsletter

Sep 16, 2025

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9 min read

Why is this Swiss bank expanding European partnerships? Plus Uber's lending move

How Swiss bank Hypothekarbank Lenzburg is building embedded finance partnerships across Europe through strategic acquisitions. Plus: Uber Eats launches restaurant lending and why 90% of SaaS companies are expanding beyond payments.

Lars Markull

News

Sep 12, 2025

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3 min read

Rainforest's $29M Raise and New SaaS Survey Data Signal Embedded Finance Shift Beyond Payments

Rainforest's $29M Series B and Flagship Advisory's SaaS survey reveal vertical software companies are expanding from embedded payments into lending, card issuing, and comprehensive financial services.

Lars Markull

News

Uber Eats Partners with Pipe for Restaurant Capital Access

Sep 11, 2025

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2 min read

Uber Eats Partners with Pipe for Restaurant Capital Access

Uber Eats launches embedded lending with Pipe, offering restaurants capital through AI-powered approval process. Follows trend across food delivery platforms.

Lars Markull

News

How a Swiss Bank Is Building Embedded Finance Partnerships Across Europe

Sep 11, 2025

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3 min read

How a Swiss Bank Is Building Embedded Finance Partnerships Across Europe

Swiss regional bank Hypothekarbank Lenzburg is expanding across Europe through strategic acquisitions and embedded finance partnerships.

Lars Markull

News

e-conomic Partners with Mynt to Launch Embedded Card Solution in Denmark

Sep 9, 2025

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2 min read

e-conomic Partners with Mynt to Launch Embedded Card Solution in Denmark

Danish accounting leader e-conomic partners with Swedish fintech Mynt to launch embedded credit cards by year-end. The move continues Visma group's European embedded banking expansion strategy.

Lars Markull

News

Mews Promotes Existing Hotel Financing Solution via YouLend Partnership

Sep 9, 2025

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3 min read

Mews Promotes Existing Hotel Financing Solution via YouLend Partnership

Mews re-emphasizes hotel financing solution with YouLend in new design content, offering UK hotels £3k-£1M funding with revenue-based repayment for property improvements and upgrades.

Lars Markull

News

Bolt Food Launches Embedded Lending for Restaurants via finmid Partnership

Sep 9, 2025

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2 min read

Bolt Food Launches Embedded Lending for Restaurants via finmid Partnership

Bolt Food partners with finmid to launch restaurant lending in Latvia, offering up to €30,000 with revenue-based repayment. European expansion planned for the embedded finance solution.

Lars Markull

Newsletter

Sep 9, 2025

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11 min read

e-conomic Adds Cards, Bolt Food Launches Lending, Mews Expands Financing

Discover the latest embedded finance launches: e-conomic partners with Mynt for Danish card solutions, Bolt Food introduces restaurant lending via finmid, and Mews expands hotel financing with YouLend. Plus insights from PandaDoc's embedded payments journey.

Lars Markull

Podcast

From Quote-to-Cash: PandaDoc's Embedded Payments Story with Philipp Pohlmann

Sep 4, 2025

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4 min read

From Quote-to-Cash: PandaDoc's Embedded Payments Story with Philipp Pohlmann

Discover how PandaDoc scaled embedded payments from startup acquisition to core product pillar. Philipp Pohlmann shares strategies for integrating Fintech into SaaS platforms, global payment challenges, and why not every company should become a Fintech.

Lars Markull

Newsletter

Sep 2, 2025

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10 min read

While You Were Away: Wix Launches Financial Services, Booking.com's 6% Cashback Card, and More

Catch up on the latest embedded finance news: Wix's banking and lending launch, Booking.com's 6% cashback credit card with Imprint, and Pleo's investment feature. Analysis of the payments-to-banking strategy.

Lars Markull

Newsletter

Aug 26, 2025

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10 min read

Your embedded INVESTMENT and INSURANCE summer reading: What happened in 2025 (so far)

Summer recap of embedded investment and insurance developments in 2025. Key acquisitions, new partnerships, and why non-financial brands are embracing embedded insurance while investment infrastructure consolidates.

Lars Markull