“Can Norway's largest bank extend its regulated infrastructure and distribution advantage into embedded B2B finance — BNPL, supply chain financing, and digital payments — to remain relevant as fintech challengers commoditize traditional banking?”
DNB is Norway's largest bank, operating as a full-service financial institution for retail, SME, and corporate customers across the Nordics and internationally. In recent years DNB has pursued digital transformation initiatives, embedding new financial products such as B2B BNPL through a partnership with Two launched in March 2026. The bank also maintains long-standing payments infrastructure partnerships, notably with Nets Group, reinforcing its position as the dominant regulated financial infrastructure provider in Norway.