Juni
“Can a vertical fintech built for ecommerce entrepreneurs become the full financial OS — banking, financing, FX, and AI accounting — for European online businesses?”
Founded in 2020 as a vertical fintech for ecommerce entrepreneurs, Juni launched multi-currency accounts and virtual cards specifically designed for online businesses managing ad spend, supplier payments, and payment gateway integrations. It subsequently moved into embedded lending (invoice credit, inventory financing) to capture the cash-flow financing wedge. The platform now positions itself as an AI-driven financial OS combining banking, spend management, FX, and accounting automation — billing itself as 'the future of business banking' while remaining a licensed fintech under SFSA oversight rather than a full bank.