Shaping the future of Solaris

From its inception, Solaris set out to be a tech company with a full banking license. While this approach was disruptive – and even captivating for our partners – the realities of the market have presented challenges in executing this vision.

A banking license offers significant competitive advantages but also entails rigorous regulatory requirements. In recent times, meeting these requirements has been a key focus.

And, in today’s highly competitive environment a central truth remains: our CRR banking license defines who we are: Solaris is a German bank – and a tech company at heart.

Our future lies in leveraging this license more strategically than ever before, focusing on banking products that drive profitability, strengthen our partners, and cement Solaris as Europe’s leading platform for embedded finance.

Constant investment in innovation

Solaris’ future is anchored in resilience, innovation, and the commitment to redefine the embedded finance landscape. By combining the solidity of a German bank with the speed of a tech leader, we remain disruptive while building on our strengths.

Over the past two years, we have restructured the organization. With unwavering support from our investors, Solaris is accelerating the next phase of embedded finance in Europe.

This part of the Solaris journey has not been easy. But it has been real. And it has been worth it.

With our new direction, Solaris is prepared to lead again – delivering a future that inspires trust, drives value, and shapes the next era of financial services.

Our new investor structure led by majority shareholder SBI Group, a technology-driven financial conglomerate in Japan, alongside Börse Stuttgart Group, reflects this strategic momentum.

Our long-term vision for the success of Solaris is clear: increasing corporate value through a customer-centric approach, operational efficiency, and regulatory excellence. By leveraging the banking and technology expertise of Solaris and our investors, we will drive innovation and sustainable growth.

I am proud of our company’s resilience and the achievements of our employees – especially over the past two years.

Action plan

We share a core belief with our investors, that every company will become a financial service provider in the future. It is only a matter of time. Companies that embrace embedded finance strategically will unlock new value and deeper customer engagement.

The next five years will be defined by our ability to guide businesses through this transition – helping them not just experiment with financial services, but integrate solutions successfully and sustainably into long-term growth strategies.

Our business priorities for the next two years influence every role at Solaris:

• Strengthening partnerships

  Deepening relationships with both mature and pioneering partners by expanding financial ecosystems, enhancing our offerings, and driving mutual success.

• Vertical expansion

  Identifying industries primed for embedded finance and tailoring solutions to their needs, positioning Solaris as a leader in emerging financial landscapes.

• Ongoing transformation

  Building a culture of agility, accountability, and performance to empower teams in an ever-evolving market.

• Regulatory excellence

  Strengthening risk, governance, and controls while ensuring our solutions remain compliant and customer-centric.

From data to business intelligence

Focusing too much on short-term success obscures the long-term data we need to identify trends and opportunities.

We can only create trust in the market if our forecasts come true. And for a fintech company, trust is key – with partners, customers and regulators alike.

As pioneers of embedded finance, we know the needs and opportunities of the market better than anyone else. Our extensive data resources provide invaluable insights that will inform Solaris' next steps.

One straightforward realization: Solaris is shifting from being a universal enabler to a dedicated banking partner for established businesses and major brands. This is not merely an adaptation: it is leadership.

We are confident that embedded finance will become a core business model for many businesses, shaping the alignment of their products with customer needs. Solaris will evolve from a national pioneer to a European hub for embedded finance and banking-as-a-service.