A structural review of what became irreversible in finance in 2025: AI embedded in core decisions, enforcement-era regulation, real-time payment constraints, trust limits in automation, and tokenization as infrastructure control.
This episode argues that the next phase of financial innovation is defined by resilience, governance, trust, and capital discipline rather than speed. It explains why AI in credit becomes operationally irreversible, why concentration creates systemic risk, how DORA-like requirements reshape cost and strategy, and where tokenization changes settlement and access.
If this episode helped you, follow the podcast and share it with a founder who needs this playbook.
 
Enjoy the show?
📖 Blog recap: <a href="https://www.startuprad.io/post/fintech-review-2025-ai-risk-becomes-banking" rel="noopener noreferrer nofollow">https://www.startuprad.io/post/fintech-review-2025-ai-risk-becomes-banking</a>
Watch on YouTube: <a href="https://youtu.be/miRTzSCcBiw" rel="noopener noreferrer nofollow">https://youtu.be/miRTzSCcBiw</a>
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<h3>🚪 Connect with Us</h3><ul><li>Partner with us: <a href="mailto:partnerships@startuprad.io" target="_blank" rel="noopener noreferrer nofollow">partnerships@startuprad.io</a>
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A structural review of what became irreversible in finance in 2025: AI embedded in core decisions, enforcement-era regulation, real-time payment constraints, trust limits in automation, and tokenization as infrastructure control. This episode argues that the next phase of financial innovation is defined by resilience, governance, trust, and capital discipline rather than speed. It explains why AI in credit becomes operationally irreversible, why concentration creates systemic risk, how DORA-like requirements reshape cost and strategy, and where tokenization changes settlement and access. If this episode helped you, follow the podcast and share it with a founder who needs this playbook. Enjoy the show? 📖 Blog recap: https://www.startuprad.io/post/fintech-review-2025-ai-risk-becomes-banking Watch on YouTube: https://youtu.be/miRTzSCcBiw 🎧 The Audio PodcastSubscribe here: https://linktr.ee/startupradio 🚪 Connect with UsPartner with us: partnerships@startuprad.io Subscribe: https://linktr.ee/startupradio Feedback: https://forms.gle/SrcGUpycu26fvMFE9 Follow Joe on LinkedIn: http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&followMember=joernmenninger

A structural review of what became irreversible in finance in 2025: AI embedded in core decisions, enforcement-era regulation, real-time payment constraints, trust limits in automation, and tokenization as infrastructure control.
This episode argues that the next phase of financial innovation is defined by resilience, governance, trust, and capital discipline rather than speed. It explains why AI in credit becomes operationally irreversible, why concentration creates systemic risk, how DORA-like requirements reshape cost and strategy, and where tokenization changes settlement and access.
If this episode helped you, follow the podcast and share it with a founder who needs this playbook.
 
Enjoy the show?
📖 Blog recap: <a href="https://www.startuprad.io/post/fintech-review-2025-ai-risk-becomes-banking" rel="noopener noreferrer">https://www.startuprad.io/post/fintech-review-2025-ai-risk-becomes-banking</a>
Watch on YouTube: <a href="https://youtu.be/miRTzSCcBiw" rel="noopener noreferrer">https://youtu.be/miRTzSCcBiw</a>
🎧 The Audio PodcastSubscribe here: <a href="https://linktr.ee/startupradio" rel="noopener noreferrer">https://linktr.ee/startupradio</a>
🚪 Connect with Us<ul><li>Partner with us: <a href="mailto:partnerships@startuprad.io" rel="noopener noreferrer">partnerships@startuprad.io</a>
</li><li>Subscribe: <a href="https://linktr.ee/startupradio" rel="noopener noreferrer">https://linktr.ee/startupradio</a>
</li><li>Feedback: <a href="https://forms.gle/SrcGUpycu26fvMFE9" rel="noopener noreferrer">https://forms.gle/SrcGUpycu26fvMFE9</a>
</li><li>Follow Joe on LinkedIn: <a href="http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&amp;followMember=joernmenninger" rel="noopener noreferrer">http://www.linkedin.com/comm/mynetwork/discovery-see-all?usecase=PEOPLE_FOLLOWS&amp;followMember=joernmenninger</a>
</li></ul>

Fintech and Finance Review 2025: AI Risk Becomes Banking

FinTech Germany, powered by Startuprad.io™, is Europe’s definitive podcast on financial innovation and venture capital in the DACH region. Hosted by Joe Menninger, the show reveals how startups, banks, and investors collaborate to reshape finance for a digital, sustainable future.

From Frankfurt to Zurich and Vienna, FinTech Germany examines the pioneers building Europe’s next-generation financial infrastructure — covering everything from open banking, embedded finance, and regtech to digital assets, green finance, and AI-driven compliance. Each episode translates complex financial-tech topics into clear insights for founders, investors, and corporate innovators.

Whether you work in venture capital, financial services, or fintech policy, you’ll gain first-hand perspectives on how Europe’s financial ecosystem evolves amid regulatory change and technological disruption. We feature leading fintech CEOs, VC partners, bank executives, and regulators who discuss what it takes to scale responsibly while innovating within Europe’s financial frameworks.

The podcast unpacks key themes including:
• Fintech funding trends and VC activity across Germany and Europe
• Open banking and payment innovation (API economy)
• Digital assets, tokenization, and MiCA regulation
• AI in finance — risk management and credit analytics
• Sustainable finance and green investments
• RegTech, compliance automation, and cybersecurity

Our mission is to connect financial technology with entrepreneurship, bridging startup agility and institutional expertise. Each conversation provides context on how venture capital, policy, and innovation intersect to shape the continent’s fintech landscape.

FinTech Germany is part of the Startuprad.io™ Network, which includes Blockchain Germany, Deep Tech Germany, Security Startups Germany, and German Startup News. Collectively, the network reaches over one million annual streams and ranks among the global top 0.5 % of podcasts, trusted by founders, VCs, and corporate leaders across Europe and beyond.

🔹 Topics we explore: fintech startups, digital banking, venture capital, payment innovation, embedded finance, regulation, green finance, DeFi, and Europe’s financial ecosystem.

🔍 Explore more from the Startuprad.io Network:
• Blockchain Germany Podcast
• Deep Tech Germany Podcast
• European Startup Pulse
• Security Startups Germany
• Female Entrepreneurship Podcast

💌 Subscribe for insider updates: https://startupradio.substack.com/
🌐 Discover all links & platforms: https://linktr.ee/startupradio
📰 Read our blog & show notes: https://www.startuprad.io/blog/

Business

Technology

Management

FinTech Germany, powered by Startuprad.io™, is Europe’s definitive podcast on financial innovation and venture capital in the DACH region. Hosted by Joe Menninger, the show reveals how startups, banks, and investors collaborate to reshape finance for a digital, sustainable future. From Frankfurt to Zurich and Vienna, FinTech Germany examines the pioneers building Europe’s next-generation financial infrastructure — covering everything from open banking, embedded finance, and regtech to digital assets, green finance, and AI-driven compliance. Each episode translates complex financial-tech topics into clear insights for founders, investors, and corporate innovators. Whether you work in venture capital, financial services, or fintech policy, you’ll gain first-hand perspectives on how Europe’s financial ecosystem evolves amid regulatory change and technological disruption. We feature leading fintech CEOs, VC partners, bank executives, and regulators who discuss what it takes to scale responsibly while innovating within Europe’s financial frameworks. The podcast unpacks key themes including: • Fintech funding trends and VC activity across Germany and Europe • Open banking and payment innovation (API economy) • Digital assets, tokenization, and MiCA regulation • AI in finance — risk management and credit analytics • Sustainable finance and green investments • RegTech, compliance automation, and cybersecurity Our mission is to connect financial technology with entrepreneurship, bridging startup agility and institutional expertise. Each conversation provides context on how venture capital, policy, and innovation intersect to shape the continent’s fintech landscape. FinTech Germany is part of the Startuprad.io™ Network, which includes Blockchain Germany, Deep Tech Germany, Security Startups Germany, and German Startup News. Collectively, the network reaches over one million annual streams and ranks among the global top 0.5 % of podcasts, trusted by founders, VCs, and corporate leaders across Europe and beyond. 🔹 Topics we explore: fintech startups, digital banking, venture capital, payment innovation, embedded finance, regulation, green finance, DeFi, and Europe’s financial ecosystem. 🔍 Explore more from the Startuprad.io Network: • Blockchain Germany Podcast • Deep Tech Germany Podcast • European Startup Pulse • Security Startups Germany • Female Entrepreneurship Podcast 💌 Subscribe for insider updates: https://startupradio.substack.com/ 🌐 Discover all links & platforms: https://linktr.ee/startupradio 📰 Read our blog & show notes: https://www.startuprad.io/blog/

FinTech Germany, powered by Startuprad.io™, is Europe’s definitive podcast on financial innovation and venture capital in the DACH region. Hosted by Joe Menninger, the show reveals how startups, banks, and investors collaborate to reshape finance for a digital, sustainable future.

From Frankfurt to Zurich and Vienna, FinTech Germany examines the pioneers building Europe’s next-generation financial infrastructure — covering everything from open banking, embedded finance, and regtech to digital assets, green finance, and AI-driven compliance. Each episode translates complex financial-tech topics into clear insights for founders, investors, and corporate innovators.

Whether you work in venture capital, financial services, or fintech policy, you’ll gain first-hand perspectives on how Europe’s financial ecosystem evolves amid regulatory change and technological disruption. We feature leading fintech CEOs, VC partners, bank executives, and regulators who discuss what it takes to scale responsibly while innovating within Europe’s financial frameworks.

The podcast unpacks key themes including:
• Fintech funding trends and VC activity across Germany and Europe
• Open banking and payment innovation (API economy)
• Digital assets, tokenization, and MiCA regulation
• AI in finance — risk management and credit analytics
• Sustainable finance and green investments
• RegTech, compliance automation, and cybersecurity

Our mission is to connect financial technology with entrepreneurship, bridging startup agility and institutional expertise. Each conversation provides context on how venture capital, policy, and innovation intersect to shape the continent’s fintech landscape.

FinTech Germany is part of the Startuprad.io™ Network, which includes Blockchain Germany, Deep Tech Germany, Security Startups Germany, and German Startup News. Collectively, the network reaches over one million annual streams and ranks among the global top 0.5 % of podcasts, trusted by founders, VCs, and corporate leaders across Europe and beyond.

🔹 Topics we explore: fintech startups, digital banking, venture capital, payment innovation, embedded finance, regulation, green finance, DeFi, and Europe’s financial ecosystem.

🔍 Explore more from the Startuprad.io Network:
• Blockchain Germany Podcast
• Deep Tech Germany Podcast
• European Startup Pulse
• Security Startups Germany
• Female Entrepreneurship Podcast

💌 Subscribe for insider updates: https://startupradio.substack.com/
🌐 Discover all links &amp; platforms: https://linktr.ee/startupradio
📰 Read our blog &amp; show notes: https://www.startuprad.io/blog/

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Fintech and Finance Review 2025: AI Risk Becomes Banking

Fintech and Finance Review 2025: AI Risk Becomes Banking

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