Card programmes that set the standard.
Exceptional card programmes drive interchange, credit, FX and retention, while passing every audit, holding under scheme pressure and adapting as the business grows.
Whether you’re a traditional bank moving off legacy or a digital-first institution scaling past your first processor, the regulatory weight, operational depth and compliance posture are already in place, so your team can focus on building card experiences worth talking about.
SEB Embedded on agility, cultural fit and building from scratch
From migration to revenue, built to hold up under scale.
Legacy migration, zero operational disruption.
A phased migration framework moves your programme forward by portfolio, region or use case, with continuity maintained throughout and full control at every step.
Built around how you operate.
Take direct control of configuration, product set-up and integrations where your institution wants ownership, and draw on managed support where it adds value. The operating model adapts to how you work.
Compliance ready, wherever you scale.
Real-time visibility and compliance built in across every market means your programme holds up under any pressure. Through salary runs, travel peaks and retail surges, nothing slows down.
Regulatory credibility, built in.
UK FCA and Finnish FSA regulated, and a principal Visa and Mastercard member. The licences and memberships are already in place, giving your legal, risk and procurement teams a foundation they can rely on.
Real-time programme visibility.
See transactions, authorisations, fraud and programme behaviour as they happen, giving every team the insight to act faster, make sharper product decisions and keep the programme performing at its best.
Revenue built into every card.
Debit, credit and prepaid programmes built around how you want to earn, from interchange and credit to FX, subscriptions and value-added services. Because cards do more than move money.
A track record built in complex banking environments.
Countries running card programmes under one EMI licence framework.
Active banking and financial services cards, live on the platform.
Banking and financial services transactions processed on the platform every month.
Everything you need for a card programme that sets the standard.
Whether you need the full card programme stack or just the processing layer beneath your existing issuing, the operating model adapts entirely to how your institution already works.
Debit, credit and prepaid issuing.
Most banks run more than one card type. The smartest run them together on one platform, issuing debit, credit and prepaid, physical and virtual cards, each configured to the business.
Issuer processing.
For banks that already issue, the BIN licence and issuing relationship stay yours. The processing layer keeps up with your programme, and if systems go down, transactions keep authorising.
Legacy migration.
What makes a migration work is the plan behind it. A proven, phased framework replicates your existing logic and runs old and new infrastructure in parallel, so continuity holds at every step.
Fraud and dispute management.
Fraud and dispute management run as one service, with real-time monitoring, dedicated fraud analysts and full dispute handling to scheme timelines. Approval rates stay high and fraud losses stay low.
MyEnfuce – real-time data and control.
MyEnfuce gives your teams live visibility across transactions, authorisations, fraud and case status, with the controls to act and a full audit trail behind every decision.
Embedded Analytics.
Managed analytics built on your source-of-truth data, covering performance, risk, benchmarking and growth, ready to use with everything already built and managed for you.
The ambitions that bring banks to us.
Scaling card programmes across markets.
Expand card programmes across geographies, segments and business units, with compliance, operations and delivery already configured for each market.
Growing revenue through credit and lending.
Build revolving credit, co-branded cards, hybrid debit-credit experiences and other lending models, on a card programme that earns alongside the lending book.
Meet the banking and financial services experts behind your programme.
Niklas Apellund,
Chief Technology Officer
What it actually takes to migrate a card programme without downtime: preparation, rehearsals and the right adapter layer, not shortcuts.
Eric Sundberg,
Solutions Expert
How the compliance burden, PCI, scheme mandates and licensing, gets absorbed so neobanks can focus on disrupting the market.
The guide banks build card programmes from.
The strategic guide for financial institutions turning card issuing into a competitive edge, covering launch, compliance, scale and monetisation.
The reading list for banking and credit teams.
The decisions behind a successful card programme, from platform selection and launch strategy to the build vs buy question banks and lenders face first.
Let’s talk about your card programme
Whether you’re moving off legacy or scaling into new markets, tell us where your card programme is today and where you want to take it.
