What is embedded finance?

Embedded finance refers to the integration of financial services into non-financial products or services, such as e-commerce platforms, mobile apps, or even cars. It can give businesses a competitive edge by enabling them to offer financial products and services seamlessly, without requiring their customers to go through the hassle of switching between multiple apps and platforms.

For example, a retailer could integrate a loyalty program service with a debit card to allow customers to earn and redeem rewards points or benefits easily and without interruption. Similarly, a car manufacturer can offer financing options to customers right from their car dashboard, making the process seamless and convenient.
A picture of a drop

Why embedded finance?


  • Seamless and convenient user experience
  • Relevant and personalized experience
  • Faster transaction and settlement times
  • Lower costs and fees


  • Increase customer loyalty & engagement
  • Improve sales conversion
  • Explore new revenue streams
  • Decrease transaction costs

Why SEB Embedded?

By partnering with us, you can focus on and gain control over the customer experience while we take care of licensing and regulations. By partnering with us you will be able to enjoy:

  • Control over the customer experience
  • Customization of your offering through our configurable banking platform
  • Access to customer data and insights
  • Easy to use APIs
  • A partnership with in-depth and lengthy banking experience
  • Access to a full bank license, capital, and funding

Bringing banking to wherever it's needed

SEB Embedded is a business unit born out of the independent SEB innovation studio SEBx. SEB Embedded is dedicated to commercialize Banking as a Service.

© 2023, Skandinaviska Enskilda Banken AB.