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

    6 DAYS AGO

    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
  2. 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
  3. 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
  4. Recap 2024: The biggest stories in embedded finance with Sam Boboev

    12/12/2024

    Recap 2024: The biggest stories in embedded finance with Sam Boboev

    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 retailers, the role of banks, vertical SaaS areas and more. Visit our website at www.embeddedfinancereview.com for more content. This episode was produced by Orama.tv. (00:00) Introduction to Sam Boboev (02:48) Retailers in Embedded Finance (10:32) Traditional Banks in Embedded Finance (18:05) Banking as a Service (24:40) Healthcare and FinTech (30:30) Solar Panel Financing and Home Improvement (34:16 ) Vertical SaaS and Embedded Finance (39:27) Conclusion and Final Thoughts

    41 min
  5. Which brands should get into embedded insurance? With Nikolaus Sühr from Kasko

    11/29/2024

    Which brands should get into embedded insurance? With Nikolaus Sühr from Kasko

    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 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 Products 09:03 Consumer Benefits and Convenience 11:30 Brand Strategies and Market Trends 21:01 Building Embedded Insurance Products 30:52 Nick's Journey and Insights 36:11 Conclusion and Contact Information

    37 min
  6. Did Switzerland reach the embedded finance tipping point? With Manuel Thomet from Synpulse

    11/14/2024

    Did Switzerland reach the embedded finance tipping point? With Manuel Thomet from Synpulse

    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

    41 min
  7. How to solve payments for the construction industry? With Jarvey Moss from Saible

    11/01/2024

    How to solve payments for the construction industry? With Jarvey Moss from Saible

    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 Saibley 01:33 Navigating Money in Supply Chains 02:22 Understanding the Construction Industry 15:53 Implementation and Benefits of Saible 22:42 Future Plans and Expansion 33:50 Closing Thoughts and Contact Information

    37 min
  8. Does every bank need an embedded finance strategy? With Sarina Deuble from McKinsey

    10/18/2024

    Does every bank need an embedded finance strategy? With Sarina Deuble from McKinsey

    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

    39 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
    19
  • Rating
    Clean
  • Copyright
    © Lars Markull
  • Show Website
    Embedded Finance Review

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