Embedded finance growth Inbank operates a next generation embedded finance platform with an EU banking licence and wide merchant network, presenting a strong opportunity to upsell monetization features, cross-border payment capabilities, and merchant financing integrations to expand their embedded offerings.

Large merchant network Partnered with over 6,000 merchants and more than 872,000 active contracts, there is substantial scope to propose developer-friendly APIs, value-added services, and data analytics tooling to deepen merchant engagement and increase wallet share.

European deposits Inbank collects deposits across Europe, indicating a need for expanded savings products, liquidity management solutions, and secure digital onboarding that can be offered to attract more retail and institutional funds.

Public market presence With bonds listed on Nasdaq Tallinn, there is credibility and visibility that can be leveraged to introduce treasury management platforms, investor relations tech, and compliance-ready fintech solutions for listed entities or banks seeking public-market-grade tooling.

Growth and tech readiness Revenue scale in the mid-range with ongoing tech stack usage across analytics, workflow orchestration, and content management signals readiness for partnerships around data-driven decisioning, risk & compliance automation, and expandable cloud-native services.