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