Sarp Demiray, CEO of European Merchant Bank (EMBank), shares how the Vilnius-based bank is rethinking what it means to serve SMEs and fintech companies across the Baltics. In this interview, he breaks down the challenges corporate clients face when trying to access financing and tailored banking services, and how EMBank is stepping in with a model that combines deep customer relationships, digital agility, and operational resilience.
Sarp explains how EMBank is building a platform that goes beyond banking, offering tools like APIs, embedded finance capabilities, and business intelligence solutions to support clients throughout their journey. He also shares why investing in RegTech, compliance tools, and process automation is key to ensuring speed and service quality without compromising on risk.
With Baltic Fintech Days approaching, Sarp previews the themes EMBank will explore at the event, and explains why the region offers a powerful gateway into the European market for businesses looking for more than just off-the-shelf financial services.
