Embedded Finance, Real Impact
How Embedded Finance is Redefining Financial Services From the Inside Out.
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In this episode.
In this edition of In the Hot Seat, Enfuce Co-CEO Denise Johansson speaks with Emelie Eriksson, Head of SEB Embedded, for a sharp, forward-looking discussion on how embedded finance is reshaping the industry from within. Their conversation explores the shift from legacy infrastructures to ecosystem partnerships, the realities of handing over the customer interface, and the regulatory and behavioural forces shaping the next chapter of financial services.
Key highlights:
- The challenge for established institutions in giving up customer-facing control
- Complementation over competition as the foundation for embedded-first ecosystems
- How upcoming regulation could determine the role of traditional banks
- The evolving expectations and loyalty behaviours of consumers
- Opportunities for fairer, more inclusive financial ecosystems
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Innovator | Banking Leader | Ecosystem Builder
Emelie Eriksson is the Head of SEB Embedded and a leading voice in the evolution of embedded financial services.
With a background spanning digital product development, banking strategy, and partnerships, she has been central to SEB’s work in building financial services that integrate seamlessly into third-party experiences.
Emelie is recognised for championing collaborative models, encouraging institutions to rethink legacy systems, and shaping embedded finance as a strategic rather than purely technical shift. Her work focuses on enabling responsible growth while delivering user experiences that meet rising customer expectations.
Meet the host
Denise Johansson is the Co-Founder and Co-CEO of Enfuce, the first fintech in the world to put payment processing in the public cloud. Denise is a dynamic female innovator and leader with almost 20 years of experience in the payment industry.
Denise, whose expertise has been recognised by several initiatives including InspiringFifty, has helped numerous European fintechs and financial institutions enter new markets quickly with safe, secure, and scalable card products. She is committed to encouraging more women into fintech, inspiring them to set bold goals and work towards them.
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