“Can Henkel build a fully bank-independent, centrally orchestrated global payment and treasury infrastructure while continuing to use sustainability-linked finance programs to drive supplier ESG compliance?”
Founded in 1876 as a consumer goods company, Henkel has evolved into a global leader in adhesives, sealants, and consumer/industrial brands. In recent years the treasury function has become a significant focus: Henkel has actively restructured its global payment infrastructure toward bank-independent, centrally managed flows, and has pioneered sustainability-linked supply chain finance programs across Asia Pacific and Europe. The company is not itself an embedded finance provider but is a sophisticated corporate buyer of treasury, payments, and supply chain finance infrastructure from global banking partners.
Henkel processes payments through Checkout.com and Deutsche Bank (payment gateway, Korea).
The Embedded Finance Index 2026 maps 2 layers in Henkel's stack: Payments / PSP (Checkout.com and Deutsche Bank (payment gateway, Korea)); Lending (Sustainability-linked supply chain finance (Europe), Sustainability-linked supply chain finance (Asia Pacific) and €2.0B Revolving Credit Facility).
Henkel is founded in 1876 and headquartered in Düsseldorf, Germany.
Get a read on where your own stack stands against Henkel 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.