ApideckTape
← Embedded Finance Index 2026

De Bijenkorf

“Can a 150-year-old Dutch luxury department store remain culturally and financially relevant as a physical-first omnichannel retailer under Thai ownership?”

Founded1870
HQAmsterdam, Netherlands
IndustryE-commerce / Retail
The story

De Bijenkorf is the Netherlands' premier luxury department store, owned since 2021 by Thailand's Central Group (which also owns KaDeWe and Selfridges). It is a long-standing Adyen reference customer for unified omnichannel payments, and added Klarna BNPL in 2021. The business has been under financial pressure post-COVID and is reliant on parent-company support.

Last 12 months
2024-09
2024-12
Product timeline
1870
De Bijenkorf founded as a Dutch department store.· founding
2018
Adyen case study published on De Bijenkorf's unified in-store and online personalization powered by Adyen.· payments
2021
Central Group (with Signa) acquires De Bijenkorf; Klarna launched as a checkout payment method.· acquisition
2023
Signa Group collapses; Central Group becomes sole owner of De Bijenkorf.· acquisition
2024
De Bijenkorf reports declining revenue and losses; €59M subordinated loan support secured from Central Group.· financial
2024
Launched Tap to Pay on Android with Adyen in stores ahead of holiday season.· payments
The stack
2 layers disclosed in De Bijenkorf’s embedded-finance stack
Payments / PSP
Adyen
Lending
in the full report
Accounting gap: none
3 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

De Bijenkorf — frequently asked

Who is De Bijenkorf's payment processor?

De Bijenkorf processes payments through Adyen.

Who provides De Bijenkorf's lending?

De Bijenkorf's lending and capital products are provided by Klarna.

What is De Bijenkorf's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in De Bijenkorf's stack: Payments / PSP (Adyen); Lending (Klarna, Klarna Pay in 14 days and Klarna Pay in 3 (interest-free installments)).

Where is De Bijenkorf headquartered?

De Bijenkorf is founded in 1870 and headquartered in Amsterdam, Netherlands.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against De Bijenkorf and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to De Bijenkorf and the other companies in its category.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.