🧑💼 Who Is Daniel Leclerc?
Daniel Leclerc is the CEO and co-founder of Bankora, a European fintech based in Luxembourg, offering cutting-edge embedded banking, payment facilitation, and card issuing technology. With a background in digital banking and compliance, Leclerc has played a pivotal role in building scalable, secure, and compliant financial infrastructure for modern businesses.
🏦 About Bankora
Founded in 2020, Bankora enables SaaS platforms, marketplaces, and fintech startups to embed fully compliant banking capabilities without holding their own licenses. Bankora is backed by notable VC firms and operates under multiple EMI partnerships across the EU.
🔧 Bankora’s Core Offerings
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Embedded Banking APIs
Instant onboarding, IBAN issuance, account management, and fund transfers. -
Card Issuing
Virtual and physical debit cards with customizable spend controls, perfect for gig economy and expense management. -
Payment Facilitator Stack
Aggregated merchant onboarding, transaction monitoring, and smart routing. -
KYC & Compliance Tools
AI-powered identity verification and risk scoring for fast and secure onboarding.
🎤 Interview with Daniel Leclerc: Vision, Products & the Future
What inspired the creation of Bankora?
“We saw a growing need for modular banking tools that were both fast and regulation-ready. Most platforms were stuck between legacy banks and new providers who didn’t scale. Bankora fills that gap.”
How does Bankora stand out from competitors?
“Our orchestration-first approach gives clients total flexibility. You can launch with just KYC + IBAN and layer in cards or payfac features later. It’s a ‘build as you grow’ model.”
What challenges do you face in the current fintech environment?
“Licensing fragmentation, fast-changing regulations, and rising fraud risks. That’s why we integrated an internal compliance dashboard powered by real-time AI risk flags.”
Who typically uses your platform?
“We work with European SaaS firms, travel platforms, healthtech startups, and even some traditional banks modernizing their backend.”
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❓ FAQ: All About Bankora
Is Bankora a bank?
No. Bankora is a Banking-as-a-Service (BaaS) provider, working with regulated entities to deliver financial infrastructure.
Can I issue branded cards with Bankora?
Yes. You can issue Visa or Mastercard-branded cards, physical or virtual, with spending controls and branded designs.
Is Bankora compliant with PSD2?
Absolutely. Bankora is fully PSD2-compliant and works with licensed EMIs to deliver secure APIs for account info and payments.