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EPISODE 285 42 mins

Juni – The Digital Bank Built for eCommerce and Media Buying

About the guests

Samir El-Sabini

Kunle Campbell

Samir El-Sabini is the Co-founder and CEO at Juni. Prior to Juni Samir co-founded two companies in e-commerce and performance marketing, the first a failure and the second a lifestyle success. He has always been responsible for everything boring: accounting, finance, banking and legal. While working as COO for a fintech company, he realized it was possible to build something better for the eCommerce industry and decided to start Juni.

On today’s episode, Kunle is joined by Samir El-Sabini, Co-founder and CEO at Juni – the Digital Bank made for Media Buying. The platform aims to provide eCom businesses access to banking power, and has a waiting list of over 3000 while still being in Beta.


When entrepreneurs think about launching a new DTC or eCom business, the focus is usually on the product. While identifying the right product and market can help you drive revenue, other nitty-gritties like compliance and banking can put a dent in your profitability.


Most payment gateways have settlement periods ranging from 3-7 days. Delayed access to payouts can create cash flow issues for businesses. While access to credit in the eCommerce industry has certainly improved, choosing the right option for your business is still a very real challenge. This is where Juni is trying to reimagine banking for eCom and Media buying firms. Their services are completely focused on alleviating the pain points in eCommerce banking and credit.


In today’s episode, Kunle and Samir talk about the typical financial challenges faced by eCom businesses. You will get to hear about how specialised knowledge, automation and credit solutions can help overcome those challenges. This is a great episode for businesses selling internationally. There is also a special offer for 2xers!


Here is a summary of some of the most important points made,

    • Generic banking and credit solutions are not deep and valuable
    • Reconciling financial data between your cart, payment gateway and other apps is a daunting challenge
    • 67% of businesses delay their accounting, and miss out on key insights
    • Businesses selling internationally are often hostages to exchange rates
    • Delay in payouts can cause crippling cash flow issues

Covered Topics:

On today’s interview Kunle and Samir discuss,

  • eCommerce Banking 2.0
  • Financial Pain Points
  • Delayed Payouts from Payment Gateways
  • Credit solutions offered by Juni
  • Juni’s integrations
  • Juni’s positioning as an advisor
  • Special offer for 2xers


  • 13:30 – Meet Samir
    • Based in Sweden, Lawyer by trade
    • Started off working in performance marketing
    • “Generic solutions can’t be deep and valuable”
    • Hands-on experience in his first company
  • 18:30 – Where does Juni operate:
    • EU and UK without Germany/Malta
    • Have multiple inquiries from global eCom companies
    • Approach is to focus on EU for now
  • 20:35 – Pain Points in eCommerce:
    • Integrating financial data from various apps and accounts
    • Compliance issues
    • Credit limits
    • Automating accounting
  • 27:30 – Typical issues with receiving international payments:
    • Paying cross-currency fees twice
    • Not withdrawing funds because of unfavorable exchange rates
  • 28:50 – Credit features in Juni:
    • Advancing credit based on visible Paypal balances
    • Allows for immediate payout without waiting for 3 days
    • Draw comfort from Paypal and Stripe history
  • 33:05 – Integrations:
    • Integrated with Paypal and Stripe
    • Integrated with over 5000 banks in Europe
    • Also working on Gmail integration to automate accounting
    • Big eCom platforms like Shopify, BigCommerce
    • Affiliate technologies like Everflow
    • Choosing Ad networks based on community feedback
  • 34:30 – Where does Juni fit in the eCom credit landscape:
    • Focus on solving short term liquidity
    • Want to become an advisor for companies on various options and solutions available to them
    • No fees currently, offering 1% cashback
  • 38:25 – Juni’s UI:
    • Mobile app will be rolled out later in the year
  • 39:40 – Special offer for 2xers:
    • Jump the waiting list by emailing samir@juni.co


  • Businesses selling internationally lose a lot on cross currency conversion
  • Reconciling financial data between your cart, payment gateway and other apps is a daunting challenge
  • 67% of businesses delay their accounting, and miss out on key insights
  • Delay in payouts can cause crippling cash flow issues

Links & Resources

Tweetable Quotes:

“Generic solutions can’t be deep and valuable.”

Facebook Group • Continue the Conversation

The eCommerce GrowthAccelerator Mastermind Facebook Group has just launched.
It is a community…

✔️ for founders and experts passionately involved in eCommerce
✔️ for the truly ambitious wanting to make an impact in the markets they serve
✔️ for those willing and open to help and share with other members

Here is where to apply to join the Facebook group



This episode is brought to you by:

This episode is brought to you by Klaviyo – a growth marketing platform that powers over 25,000 online businesses.
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About the host:

Kunle Campbell

An ecommerce advisor to ambitious, agile online retailers and funded ecommerce startups seeking exponentially sales growth through scalable customer acquisition, retention, conversion optimisation, product/market fit optimisation and customer referrals.

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