← State of Embedded Finance 2026

Slaski

“Can ING Bank Śląski modernise its core banking stack fast enough to compete with Polish neobanks and digital challengers while maintaining its corporate lending franchise?”

Founded1988
HQKatowice, Poland
IndustryBank / National
The story

ING Bank Śląski is a publicly listed Polish retail and corporate bank that is part of the global ING Group. The bank has been modernising its core banking infrastructure, going live with Thought Machine's Vault platform to improve flexibility and customer experience. It offers a broad range of corporate lending, trade finance, and retail banking products to Polish consumers and businesses.

Last 12 months
2023
Product timeline
1988
ING Bank Śląski established as a Polish commercial bank, later majority-owned by ING Group.· banking
2023
ING Bank Śląski selected Thought Machine and went live with the Vault core banking platform to enhance customer experience.· banking
Regulated entities
National Bank Charter
Poland (KNF) · 1988
ING Bank Śląski S.A.
In the press
embeddedfinancereview.com ↗
Coverage sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2025-06-20
Embedded Finance Reality Check: Why ING & Amazon Germany Partnership Failed
ING and Amazon Germany end lending partnership after five years due to low volume. Why the product wasn't truly embedded and what Amazon's Youlend replacement reveals.
checking
Source · Embedded Finance Review ↗
◇ article2025-06-20
Bad Week for Embedded Finance? ING-Amazon Split & Intergiro License Loss Explained
Embedded finance reality check: Why ING-Amazon split, what Intergiro's license loss means, and how European payment providers are fighting back.
ing
Source · Embedded Finance Review ↗
◇ article2023-05-11
Share launches 'Future Bank Account' with ING and 'Embedded' is not a pure finance play
This edition covers Embedded Finance stories from Share, Shopify, GrubMarket, Apple, GoDaddy and Corplife.
ing
Source · Embedded Finance Review ↗
◇ article2023-05-10
Share Launches Socially-Driven Bank Account with ING
German brand Share partners with ING to launch a current account where customers support social initiatives with every subscription through embedded banking.
ing
Source · Embedded Finance Review ↗
The stack
Ledger
Thought Machine Vault
Lending
Kredyty obrotowe (working capital loans)Kredyt w rachunku bieżącym (revolving credit in current account)Umowa Wieloproduktowa (multi-product framework agreement)Trade finance (guarantees, letters of credit, receivables purchase, forfaiting)
Accounting gap: none