At Stockholm Fintech Week 2025, we spoke with Andreas Bjerke, Co-founder and CEO of ZTL, a B2B payment platform that is changing the dynamics of corporate payments. ZTL enables system owners to build their own embedded payment services, freeing businesses from legacy bank dependencies and giving them full control over pricing, monetization, and financial workflows. By leveraging open banking, ZTL is breaking traditional value chains and allowing businesses to own and profit from their payment services, rather than being just intermediaries.
In this conversation, we cover: Why corporates should take control of their payments instead of relying on banks. How open banking is quietly reshaping financial value chains. How real-time FX rate locking eliminates currency risk for businesses The new revenue opportunities for system owners through embedded payments. Key takeaways from Stockholm Fintech Week 2025, including how fintechs are redefining financial infrastructure.
If you’re in payments, open banking, or financial services, this discussion is a must-watch to understand how B2B payments are evolving and how businesses can turn payments into a profit center, not just a cost.
