“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.
Dnb discloses DNB Bank ASA (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Dnb does not disclose a bank charter of its own; its banking services are provided through DNB Bank ASA (in-house).
The Embedded Finance Index 2026 maps 2 layers in Dnb's stack: Banking / BaaS (DNB Bank ASA (in-house)); Lending (Supply chain financing, Reverse factoring, B2B BNPL (net 30/60/90 days) and Working capital loans).
Dnb is founded in 1822 and headquartered in Oslo, Norway.
Get a read on where your own stack stands against Dnb 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.