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Digital journeysApril 12 2023

Views on… embedded finance: “We’re relatively early for being an incumbent … which is exciting as much as scary”

Views on… is a new series from The Banker, gathering thoughts and commentary on impactful issues shaping the future of financial services. Liz Lumley talks to SEB Embedded.
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Views on… embedded finance: “We’re relatively early for being an incumbent … which is exciting as much as scary”Christoffer Malmer

We are gathering views on embedded finance, which is widely regarded as having enormous potential for financial services and wider industry sectors. So far, we have sat down with John Salter, chief customer officer at ClearBank, Alex Mifsud, co-founder and CEO of Weavr and Andrea Ramoino, managing director for electric money business, UK and EEA at Solaris.

In this fourth instalment, we sit down with Christoffer Malmer, head of SEB Embedded, an in-house startup dedicated to commercialising banking-as-a-service (BaaS). The platform was born and developed in the SEB innovation studio SEBx. In 2023, the team evolved out of SEBx to form the completely new business unit, SEB Embedded. 

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Liz Lumley is deputy editor at The Banker. She is a global specialist commentator on global financial technology or “fintech”. She has spent 30 years working in the financial technology space, most recently as director at VC Innovations and architect of the Fintech Talents Festival, managing director at Startupbootcamp FinTech London and an editor at financial services and technology newswire, Finextra. She was named Journalist of the Year for Technology and Digital Finance at State Street’s UK Press Awards for 2022.
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