Alisa Pankki Oyj

Alisapankki is a Finnish financial institution specializing in Banking-as-a-Service (BaaS) solutions. The company focuses on providing seamless digital banking services integrated into partner platforms, catering to liquidity management and financing needs. Alisapankki leverages strong partnerships with financial software companies, banks, and asset managers to expand its reach. With a strategic focus on international growth, the company is selectively expanding in European markets, particularly with invoice financing products.

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1.14

1.14

— Alisa Pankki Oyj
%
Digital Banking Services40% Includes banking services integrated into partner platforms.
Liquidity Management20% Solutions for managing liquidity needs of businesses.
Financing Products25% Includes business loans and financing solutions.
Invoice Financing15% Services related to invoice financing for businesses.

Alisapankki primarily serves business customers, savers, and partners. The company's core clientele includes small and...

  • Business Customersprimary

    SMEs seeking liquidity management and financing solutions.

  • Saverssecondary

    Individuals using digital banking services for savings.

  • Partnersprimary

    Financial software companies and asset managers integrating services.

Alisapankki is headquartered in Helsinki, Finland, with additional operations in Turku...

  • •Headquartered in Helsinki, Finland
  • •Operations in Turku, Finland
  • •Expanding in European markets like Germany and Denmark
  • •Focus on international growth through partnerships
  • •Leverages strong Finnish market position for expansion

Alisapankki's strategic priorities focus on leveraging partnerships to expand its Banking-as-a-Service (BaaS) offerings...

01
BaaS Expansionmedium-term

To leverage partnerships and enhance service integration.

02
International Growthlong-term

To expand market presence in Europe.

03
Profitability and Efficiencymedium-term

To ensure sustainable growth and strong financial health.

Alisapankki faces several risks, including credit risk from its lending activities and market risk related to interest...

high

Credit Risk

Due to lending activities and potential defaults.

Materiality
high
high

Geopolitical Risk

Expansion into international markets like Germany and Denmark.

Materiality
high
medium

Market Risk

Interest rate fluctuations affecting financial performance.

Materiality
medium
medium

Operational Risk

Reliance on partnerships for BaaS services.

Materiality
medium
Revenue Recognition
high
Impairment Testing
medium
Lease Accounting
medium

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: 11/08/2026