In this episode, Lars Markull is joined by Tino Keller, co-founder of Accountable, the freelancer-focused finance app active in Belgium and Germany.

We explore how Accountable evolved from an intelligent tax assistant into a full-embedded banking solution and why now was the right time to launch their own bank account and card for freelancers.

🔍 Topics we cover:

• Why open banking wasn’t enough for Accountable’s users
• What pushed them to launch a fully integrated bank account
• How embedded banking increased user revenue by 20%
• Building a banking product with BaaS provider Swan
• What the acquisition by Visma means for Accountable
• Future plans: insurance, pensions & the CFO-for-freelancers vision

📈 If you’re building in fintech, embedded finance, or SaaS, or want to know what it takes to make a full-stack banking product, this episode is for you.

🔗 More content: https://embeddedfinancereview.com

👨‍💻 This episode was produced by orama.tv

(00:00) Introduction

(01:53) The idea behind Accountable

(03:05) Growth and Market Presence

(04:14) Open Banking and Accountable's Evolution

(06:14) Challenges and Realisations

(07:11) Launching Accountable Banking

(10:36) User Adoption and Feedback

(19:01) Future of Embedded Finance

(22:47) Acquisition by Visma

(27:14) Conclusion and Contact Information