Riverty Partner
“Can a Bertelsmann-backed B2B financial services firm become the embedded payment and credit infrastructure backbone for European e-commerce merchants by converting its PSD2 institution into a full bank?”
Originally Arvato Financial Solutions, a debt collection and AR management arm of Bertelsmann, Riverty rebranded in 2022 to signal a transformation from a back-office financial services provider to a consumer-facing fintech. The company expanded from debt collection into BNPL products (14-day invoice, pay-in-3, installments), subscription financing, and Accounting as a Service. In 2026, Riverty announced a Luxembourg banking license, converting from a PSD2 payment institution into a fully chartered bank to serve 1,800+ merchants and 25 million consumers across 10 European markets — completing its shift toward being a full embedded finance infrastructure provider for European e-commerce.