“Can a PSD2-licenced Open Finance infrastructure platform become the go-to embedded finance layer for European banks, fintechs, and non-financial enterprises?”
Founded in 2018 as an Open Finance platform by Sella Group (an Italian banking group), Fabrick positioned itself as an embedded finance infrastructure provider rather than a retail bank. It holds its own Payment Institution licence under PSD2 and operates as both an AISP and PISP, connecting 700+ banks across Europe. The platform's strategy centres on enabling non-financial companies and financial institutions to embed payment, banking, and lending services into their own products via modular APIs — a classic infrastructure-as-a-service play in the European Open Banking ecosystem.
Fabrick processes payments through Adyen, Banco de Sabadell, AFIRME, Fabrick Payment Gateway (self-operated), Fabrick Payment Orchestra (self-operated) and Fabrick Payment Facilitator (self-operated). Disclosed money-movement rails: SEPA.
The Embedded Finance Index 2026 maps 3 layers in Fabrick's stack: Payments / PSP (Adyen, Banco de Sabadell, AFIRME, Fabrick Payment Gateway (self-operated) and 2 others); Money movement (SEPA); Lending (Lending Place (digital credit suite for Italian businesses), Embedded Lending infrastructure, Digital onboarding for credit and Automated scoring using PSD2 data).
Fabrick is founded in 2018 and headquartered in Biella, Italy.
Get a read on where your own stack stands against Fabrick 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.