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Bringing the best of fintech to any business

Kernolab is building a platform to shape the future of financial services. We help companies create bespoke banking and payment experiences within their products, without the hurdles associated with traditional banking.

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Technology

We provide financial services in the form of simple yet robust APIs

We take care of the tech, licensing, and compliance, so you can focus on what matters most – creating value for your customers.

Mission

We make financial services less restrictive and more accessible

More than a platform, we aim to be a partner every step of the way in unlocking the benefits of fintech for your business.

Industry insights

Embedded financial services can lead to the opportunity to make an increased profit as consumers are more likely to purchase an item or service and return to do so again and again.

Embedded Finance: What It Is And How To Get It Right →

Embedded financial services can lead to the opportunity to make an increased profit as consumers are more likely to purchase an item or service and return to do so again and again.

Embedded Finance: What It Is And How To Get It Right →

Given that embedded financing will significantly benefit the MSME sector, adopting it sooner rather than later should become a priority for B2B e-commerce platforms.

Embedded Financing In B2B E-commerce Can Catalyse the MSME Sector →

Given that embedded financing will significantly benefit the MSME sector, adopting it sooner rather than later should become a priority for B2B e-commerce platforms.

Embedded Financing In B2B E-commerce Can Catalyse the MSME Sector →

Today, companies of all types and levels of maturity are considering and preparing to launch embedded financial services to serve business and consumer segments.

What the embedded-finance and banking-as-a-service trends mean for financial services →

Today, companies of all types and levels of maturity are considering and preparing to launch embedded financial services to serve business and consumer segments.

What the embedded-finance and banking-as-a-service trends mean for financial services →

It opens up the opportunity for many companies to evolve beyond their niche offerings and become multi-market sellers or providers

Embedded Finance: What it is and What it Means for the Fintech Industry →

It opens up the opportunity for many companies to evolve beyond their niche offerings and become multi-market sellers or providers

Embedded Finance: What it is and What it Means for the Fintech Industry →

Anyone can be a banker these days, you just need the right code.

Amazon and Walmart are cutting out banks as they crack the code for finance →

Anyone can be a banker these days, you just need the right code.

Amazon and Walmart are cutting out banks as they crack the code for finance →

Financial services can blend into any business that has a potential to optimise its operations or generate additional revenues.

Banking startup Kernolab inks $1m in pre-seed funding →

Financial services can blend into any business that has a potential to optimise its operations or generate additional revenues.

Banking startup Kernolab inks $1m in pre-seed funding →

Core team

We are a diverse team of like-minded professionals driven to transform banking with technology – and have a great time doing so.

Backed by industry leaders

We are fortunate to work with some of the best names in the industry. Chances are you are already using the products they helped to create.

Partners