04 juni 2025
Akkuro, the composable banking platform built for banks and fintechs seeking full-stack banking capabilities, proudly welcomes Kamuno as its newest client. Kamuno, a Swiss fintech initiative backed by Urner Kantonalbank (UKB), is simplifying access to finance for small and medium-sized enterprises (SMEs) through a fully digital lending platform built with Akkuro’s modular technology.
Kamuno was established to tackle a persistent pain point in Swiss banking: giving SMEs easier, faster access to credit without the friction, paperwork, or long lead times that typically stand in the way.
With Akkuro’s composable lending stack as part of its core offering, Kamuno has launched a fully digital platform that allows SMEs to apply for financing online, receive an initial assessment within minutes, and complete the process entirely remotely, including digital contract signing.
“Kamuno’s mission to simplify SME financing perfectly reflects the power of composable banking,” said Jamie Burink, Managing Director at Akkuro Lending. “We’re proud to be at the heart of Kamuno’s modern lending journey, helping them launch fast, scale flexibly, and deliver a user experience that truly puts the SME customer first.”
SMEs are the backbone of the Swiss economy, yet many remain underserved by traditional banking models. Kamuno’s platform addresses this gap by offering a truly digital alternative: frictionless, transparent, and fast.
“From day one, our goal was simple: radically reduce the complexity of SME financing,” said Regis Lehmann, CEO of Kamuno.
"Akkuro’s composable platform formed a key aspect of our technology landscape which allowed us to move quickly from idea to launch — without compromising on regulatory control, security, or flexibility.”
Regis Lehmann CEO Kamuno
As part of its innovation strategy, Kamuno is leveraging Akkuro’s bAIncs. The part being used is about the AI-powered Financial Spreading capability, developed in collaboration with Microsoft. This pilot marks more than just an operational upgrade; it’s a first step toward a new era of agentic banking, where intelligent systems can take initiative, anticipate client needs, and drive smarter decisions autonomously.
“This isn’t just about automation, it’s about building the foundation for self-acting financial systems,” said Jamie Burink. “Our collaboration with Microsoft enables Kamuno to harness secure, scalable AI services to interpret SME financials in real time and eventually make lending decisions more predictive, personalized, and proactive.”
By integrating Akkuro’s financial spreading AI into its lending flow, Kamuno aims to radically reduce time spent on manual document analysis, freeing up capacity for higher-value client engagement while setting the stage for increasingly intelligent credit workflows.
The pilot is part of a longer-term roadmap to embed agentic capabilities across the lending lifecycle, from onboarding to monitoring, making Kamuno not only fast, but also smarter by design.
While Kamuno operates as an independent fintech, it is backed by Urner Kantonalbank, one of Switzerland’s trusted regional banks. This hybrid model gives Kamuno the agility of a startup with the trust and stability of a long-standing financial institution.
The collaboration with Akkuro highlights a broader trend across banking: institutions embracing composable platforms to drive innovation without the burden of legacy disruption.
Akkuro is redefining Composable Banking, enabling financial institutions to seamlessly build, integrate, and expand financial services across lending, payments, investments, deposits, and more. Our modular platform provides the flexibility and adaptability needed to innovate without disrupting existing operations. With Akkuro, banks and fintechs can assemble best-in-class solutions, adapt to evolving customer needs, and future-proof their technology stack. Designed for agility, Akkuro empowers financial organizations to deliver impactful experiences today while laying the foundation for a lifetime of financial services and innovation.
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