Embedded Finance Review

Lars Markull
Embedded Finance Review

Welcome to the Embedded Finance Review Podcast, hosted by Lars Markull. Join us biweekly as we delve into the transformative world of embedded finance. Each episode features in-depth conversations with the builders and shapers of embedded finance, who are integrating financial services into everyday products and experiences. We go beyond the surface to explore the relevant details, ensuring a comprehensive understanding of how embedded finance is reshaping vertical SaaS, marketplaces, and more. Perfect for professionals, enthusiasts, and anyone curious about the evolving financial landscape.

  1. What's next for Banking-as-a-Service in Europe and Saudi Arabia with Sophie Guibaud

    APR 17

    What's next for Banking-as-a-Service in Europe and Saudi Arabia with Sophie Guibaud

    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 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 startups by 2030Comparison between Europe's mature BaaS landscape and Saudi Arabia's rapidly developing ecosystemInsights on how embedded finance will grow in Saudi Arabia, driven by highly digital consumers and proactive regulation Visit our website, www.embeddedfinancereview.com, for more content. This episode was produced by Orama.tv. (00:00) Introduction Sophie Guibaud (01:11) Sophie's Background and Relocation (01:53) Evolution of Banking as a Service (03:11) Diverse Offerings in Banking as a Service (04:39) Regulatory Scrutiny and Market Needs (06:23) Challenges and Opportunities for Non-Fintech Brands (13:14) Traditional Banks vs. FinTech Startups (20:10) Saudi Arabia's Vision 2030 and Fintech Growth (21:54) Comparing European and Saudi Fintech Markets (31:06) Sophie's Current Focus and Projects (31:58) Conclusion and Contact Information

    33 min
  2. The Complex World of Travel Payments with Eric-Jan Krausch of 1-CP

    APR 3

    The Complex World of Travel Payments with Eric-Jan Krausch of 1-CP

    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 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 alternatives, and explores innovations like tokenized tickets and blockchain-based settlement systems. A fascinating deep dive into an industry where legacy systems meet modern fintech solutions, revealing why B2B payments in travel present larger opportunities than B2C, and how companies are finding new revenue streams through payment innovations. Visit our website at www.embeddedfinancereview.com for more content. This episode was produced by Orama.tv. (00:00) Introduction to Travel Industry Payments(00:28) Meet Eric-Jan Krausch: Travel Payment Expert(01:21) Understanding the Travel Industry Value Chain(03:07) The Role of Online Travel Agencies (OTAs)(06:53) Legacy Systems and Innovation in Travel(17:00) Financial Services in the Travel Industry(18:49) Virtual Cards and Payment Innovations(24:41) Challenges and Opportunities in Travel Payments(30:11) Future of Travel Payments and Technology(36:29) Eric-Jan’s Journey and Insights(38:54) Conclusion

    40 min
  3. Jobs To Be Done - Why Embedded Finance Must Solve Real Problems with Paul Staples

    MAR 20

    Jobs To Be Done - Why Embedded Finance Must Solve Real Problems with Paul Staples

    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 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. He debunks common myths about brand trust in financial services and reveals why the next wave of embedded finance will focus on cost efficiency rather than revenue growth. From utilities and energy trading to enterprise infrastructure, discover which sectors are ripe for disruption and why banks need new consulting skills to thrive in embedded finance. This episode offers invaluable insights for any business considering financial product integration and where the industry is headed in 2025 and beyond. Visit our website, www.embeddedfinancereview.com, for more content. This episode was produced by Orama.tv. (00:00) Guest Introduction: Paul Staples (01:43) The Evolution of Embedded Finance (03:52) Challenges and Opportunities in Embedded Finance (07:08) The Role of Banks in Embedded Finance (10:15) Future Trends and Predictions (13:07) Case Studies and Real-World Examples (16:34) The Importance of Customer Research (26:48) Infrastructure and Utilities: The Next Frontier of Embedded Finance (31:42) Conclusion and Final Thoughts

    39 min
  4. Reinventing Banking for Property Managers - with Enrique Sanchez from IESA (Aareon Spain)

    MAR 6

    Reinventing Banking for Property Managers - with Enrique Sanchez from IESA (Aareon Spain)

    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 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 Its Services (04:42) Understanding the Spanish Property Management Market (08:46) Challenges Faced by Property Administrators (15:13) Launching a Digital Banking Solution (24:35) Customer Feedback and Future Plans (31:57) Conclusion and Contact Information

    33 min
  5. Embedded Car Financing in Saudi Arabia with Ali Tabbalat from EmFlex

    FEB 20

    Embedded Car Financing in Saudi Arabia with Ali Tabbalat from EmFlex

    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 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 reshape consumer financial experiences across industries. Visit our website, www.embeddedfinancereview.com, for more content. This episode was produced by Orama.tv. (00:00) Introduction to Ali Tabalat (02:16) Ali's Journey into FinTech (03:21) Early Ventures: Solfeh and Quiq Claim (07:48) The Concept of Embedded Finance (09:20) Building EmFlex: The Vision and Strategy (12:25) How EmFlex Works (17:08) Collaborating with Banks (25:20) Why Saudi Arabia? (28:54) Future Plans and Opportunities (32:47) Conclusion and Contact Information

    34 min
  6. Why does a pet retailer offer insurance products? With Christopher Meyer-Mölleringhof from Fressnapf

    FEB 6

    Why does a pet retailer offer insurance products? With Christopher Meyer-Mölleringhof from Fressnapf

    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 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 Fressnapf leverages its brand trust and customer relationships to enter the insurance space - Their multi-channel distribution strategy, combining digital platforms with in-store experiences - The integration of additional services like digital vet consultations - Why non-insurance companies might be better positioned to innovate in insurance products - The future potential of embedded insurance beyond traditional models This conversation offers valuable insights into how traditional retailers can successfully expand into financial services while strengthening their core business through ecosystem integration. Visit our website, www.embeddedfinancereview.com, for more content. This episode was produced by Orama.tv. (00:00) Guest Introduction & Event Announcement (01:09) Christopher's Background and Fresnapf MaxiZoo (01:37) Embedded Insurance for Pets (06:28) Customer Journey and Multi-Channel Distribution (10:34) Market Approaches and Product Innovations (17:59) Future Plans and Market Expansion (20:35) Reflections on Embedded Insurance (29:04) Conclusion and Contact Information

    29 min
  7. Are in-car payments the future of automotive commerce? With Mark Gerban from Pairpoint

    JAN 23

    Are in-car payments the future of automotive commerce? With Mark Gerban from Pairpoint

    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 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 Payments and OEM Strategies (21:30) Mark's Transition to PairPoint (37:16) Closing Thoughts and Contact Information

    39 min
  8. How can banks fight back in embedded finance? With Hessel Kuik from Bizcuit

    JAN 9

    How can banks fight back in embedded finance? With Hessel Kuik from Bizcuit

    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 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 for the future of embedded financial services. Visit our website at www.embeddedfinancereview.com for more content. This episode was produced by Orama.tv. (00:00) Introducing Hessel Kuik (01:35) Overview of Bizcuit's Mission (02:07) Bizcuit's Embedded Services for Banks (04:27) Integration with Bookkeeping Solutions (05:22) Customer Journey with Bizcuit (08:36) The Impact of PSD2 and Open Banking (10:08) Competition in the Banking Sector (18:58 Bizcuit's Current Stage and Partnerships (20:18) Expanding to New Markets (22:40) Future of Embedded Finance (30:35) Conclusion

    31 min
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About

Welcome to the Embedded Finance Review Podcast, hosted by Lars Markull. Join us biweekly as we delve into the transformative world of embedded finance. Each episode features in-depth conversations with the builders and shapers of embedded finance, who are integrating financial services into everyday products and experiences. We go beyond the surface to explore the relevant details, ensuring a comprehensive understanding of how embedded finance is reshaping vertical SaaS, marketplaces, and more. Perfect for professionals, enthusiasts, and anyone curious about the evolving financial landscape.

Information

  • Creator
    Lars Markull
  • Years Active
    2024 - 2025
  • Episodes
    24
  • Rating
    Clean
  • Copyright
    © Lars Markull
  • Show Website
    Embedded Finance Review

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