ADAC
“Can Germany's largest automobile club leverage modern BaaS and insurance infrastructure to become the financial services home for its 21+ million members?”
ADAC (Allgemeiner Deutscher Automobil-Club) is Germany's largest automobile club and a broad consumer services organisation covering roadside assistance, insurance, travel, and financial services. It operates as a non-profit club (ADAC e.V.) alongside commercial subsidiaries (ADAC SE and various insurance entities). In 2024 ADAC migrated its credit card programme from Landesbank Berlin to Solarisbank, reflecting a shift toward modern BaaS infrastructure for its consumer financial products. The group's embedded finance footprint spans its own insurance subsidiaries, a co-branded credit card, and digital travel and campsite platforms.