Incumbent +
Fintech startup

We aspire to bring together the strengths of an incumbent with the speed and agility of a startup to design next-generation financial services.

Building and enabling better financial services

SEBx was founded in 2018 with the purpose of exploring new technologies and developing new customer offerings. We do this by combining the speed, agility, and legacy-free infrastructure of a fintech startup, with the trust, experience, capital, license, and knowledge of an incumbent. Being an independent innovation studio within the SEB Group, we can leverage on both of these worlds. We fuel innovation by our aspiration to build and power financial services in new ways.

SEBx in numbers


We are a team of curious, inclusive, problem-solving, and collaborative individuals.


Our team consists of more than 15 different nationalities.


SEB Embedded. UNQUO. These are our first moves in challenging the financial industry.


We have been hard at work trying to shape the future of financial services since 2018.

Our Story

Driving radical innovation in an established organization can be challenging. To address this challenge, SEB’s CEO, Johan Torgeby, together with a small group of people decided to put together a team at the fringe of the organization, outside conventional structures, and legacy processes, but with full access to everything the bank has to offer. It was decided that the team itself would have the mandate to choose the best way to proceed from there. This is one of the ways in which SEB is dealing with disruption. This is the story of SEBx.

At SEBx we have a dual purpose of exploring new technologies and building new products. We have the ambition to build a platform that can be used by SEBx, the SEB group, and by external partners looking to embed financial services in their customer journeys. As a first step, we built UNQUO, our first product, which helps solopreneurs with their work and personal finances. UNQUO is the first product running on the SEBx Banking as a Service platform, SEB Embedded, which we are now opening up to others as well. This is our way of combining the strength of an established bank with technologies of the future: to build new products and to bring banking to where it is needed. We believe this is how we can contribute to driving innovation within and beyond the banking industry.

Cherry blossom trees
Two people having a conversation
Two people having a conversation
Sebx Logo

Let's talk!

SEBx is an independent innovation studio initiated and backed by SEB.

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