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← Embedded Finance Index 2026/Countries/Finland

🇫🇮 Embedded finance in Finland

View 37 companies on the map →

37 companies headquartered in Finland are in the Embedded Finance Index. This page counts which embedded-finance layers they run, which providers they name and which licences they hold.

37
Companies analyzed
26 (70%)
Name at least one embedded-finance provider
12
Hold a licence issued in Finland
1
Significant or critical accounting-integration gap
Layer adoption

Which embedded-finance layers companies in Finland run

Companies that name at least one provider for the layer on a sourced page, out of 37.

Payments (PSP) · 46%
17
Lending / BNPL · 38%
14
Card issuing · 32%
12
Accounts / BaaS · 30%
11
KYC / fraud · 19%
7
Open banking / data APIs · 19%
7
FX / payouts · 11%
4
Insurance · 8%
3
Payroll · 3%
1
Crypto / stablecoin · 0%
0
Providers

The providers companies in Finland name most

Payments
3
Paytrail
2
2
1
1
Aktia Pankki Oyj
1
Accounts / BaaS
1
Holvi
1
1
1
Card issuing
3
1
EVRY
1
1
TietoEVRY
1
Lending / BNPL
3
2
1
1
1
Finnvera
1
Insurance
1
SCOR Digital Solutions
1
Open banking & data APIs
2
Crosskey Banking Solutions
1
Enfuce AIS
1
Paytrail
1
KYC
2
Authenticating.com
1
Visma Sign
1
1
Visma Connect
1
FX / payouts
1
1
Sponsor banks
1
1
Licences issued in Finland

12 companies hold at least one; a company can hold several kinds.

Bank / credit institution
6
Payment institution
4
E-money institution
2
Insurance
2
Account information / payment initiation
1
Accounting systems they connect to

Companies that list a connector for the system.

Procountor
7
Netvisor
6
Fennoa
4
Pleo
2
Talenom
2
Visma
2
Xero
2
Who they are
Vertical SaaS
19
Bank
5
Horizontal SaaS
4
Infrastructure
4
Fintech
3
E-commerce
1
Marketplace
1
Companies

Companies headquartered in Finland

AktiaAlisa BankAvaloBaswareEnfuceFellow FinanceHolviHostawayNoCFONordeaNordea BankOimaOP BankOuraPasseliPaytrailProcountorProvet CloudReceiptheroStarcartTalenomTietoevryTimmaVisma NetvisorVisma PayWamoWolt
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