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Embedded Finance Review

Accountable built an embedded banking product because PSD2 failed them with Tino Keller

28 May 2025

Description

In this episode, Lars Markull is joined by Tino Keller, co-founder of Accountable, the freelancer-focused finance app active in Belgium and Germany. We explore how Accountable evolved from an intelligent tax assistant into a full-embedded banking solution and why now was the right time to launch their own bank account and card for freelancers.🔍 Topics we cover:Why open banking wasn’t enough for Accountable’s usersWhat pushed them to launch a fully integrated bank accountHow embedded banking increased user revenue by 20%Building a banking product with BaaS provider SwanWhat the acquisition by Visma means for AccountableFuture plans: insurance, pensions & the CFO-for-freelancers vision📈 If you’re building in fintech, embedded finance, or SaaS, or want to know what it takes to make a full-stack banking product, this episode is for you.🔗 More content: https://embeddedfinancereview.com👨‍💻 This episode was produced by orama.tv(00:00) Introduction(01:53) The idea behind Accountable(03:05) Growth and Market Presence(04:14) Open Banking and Accountable's Evolution(06:14) Challenges and Realisations(07:11) Launching Accountable Banking(10:36) User Adoption and Feedback(19:01) Future of Embedded Finance(22:47) Acquisition by Visma(27:14) Conclusion and Contact Information

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