Introduction
As global fintech continues to reshape the financial services landscape, Square International has emerged as one of the most agile players in the sector. We sat down with John O’Beirne, CEO of Square International, to explore his journey, his company’s latest innovations, and what lies ahead for the future of embedded finance.
About John O’Beirne
With over 15 years in fintech and retail banking, John O’Beirne has led transformational initiatives in digital payments, merchant services, and financial inclusion. Before joining Square International, he served as Head of SME Banking at a major European bank.
What is Square International?
Square International delivers end-to-end fintech solutions for small and medium businesses globally. From payment terminals and online checkout to embedded lending and payroll automation, the company focuses on simplifying operations and unlocking financial growth.
Interview Highlights
Q: What makes Square International stand out in the embedded finance space?
John O’Beirne: “We’re building fintech as a service—embedded directly into the core workflows of our customers. That level of integration is what makes our solutions stick.”
Q: What trends are you watching closely in 2024?
John O’Beirne: “Real-time payments and regulatory APIs are high on our radar. Open finance is going to be the great enabler for tailored digital services.”
Q: What’s your vision for the next five years?
John O’Beirne: “We’re aiming to turn Square into a global financial infrastructure company. That means more regions, more banking licenses, and deeper AI-driven insights for merchants.”
Key Products and Services
- Square Capital: Embedded lending solutions for SMBs
- Square Pay: POS and online payments with regional currency support
- Square Insights: Real-time analytics and financial forecasting
- Square Payroll: Compliance-driven payroll automation across Europe
Related Searches
- Embedded finance platforms 2024
- Square vs Stripe comparison
- Real-time payments in Europe
- Best fintech solutions for SMBs
Frequently Asked Questions
- Is Square International available in all EU countries?
- Yes, it is expanding across Europe, with licensing agreements in progress in select jurisdictions.
- Does Square offer APIs for fintech integrations?
- Absolutely. Square provides a suite of RESTful APIs for payments, lending, and compliance services.
Citations
“We’re building fintech as a service—embedded directly into the core workflows of our customers.” — John O’Beirne, CEO
“Open finance is going to be the great enabler for tailored digital services.” — Square International