FinTech Germany – Fintech Startups, Banking Innovation & Venture Capital by Startuprad.io™

Airing December 25th, as tradition demands — the 2022 year-end Fintech Review for Germany, Austria, and Switzerland. A management-summary look back at the year in DACH fintech: funding, M&A, the correction, and the shifts reshaping banking and payments. Part of Startuprad.io’s annual Fintech Review — the year-end DACH fintech talkshow Jörn “Joe” Menninger has hosted since 2014, published just before Christmas to close the year and carry the community through the holidays.

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Why this matters for fintech: The 2022 annual wrap-up caught fintech at an inflection point — the year the funding correction reset valuations and priorities across DACH.

In this episode, we cover:

• The year in DACH fintech funding and M&A
• How the correction reset fintech valuations
• Shifts reshaping banking and payments in 2022
• A management-summary retrospective
• What the year set up for 2023

Related fintech episodes: DACH Fintech Review 2023 · DACH Fintech Review 2021.

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

A year-closing month with €855M, $200M, and $1.2B in headline figures — this December 2022 DACH startup news wrap-up with Jörn “Joe” Menninger recaps the biggest deals.

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Why this matters for fintech: Year-end deal flow shows where capital actually landed. For fintech, December 2022's tally frames the momentum heading into 2023.

In this episode, we cover:

• The year-end funding highlights across DACH
• Headline figures up to $1.2B
• Which sectors closed 2022 strongest
• What the tally means for 2023 momentum
• How investors positioned at year-end

Related fintech episodes: DACH News Dec 2024: €2.5B in Funding Highlights · DACH News March 2025: AI, VC & Fintech Trends

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

What does early-stage venture capital really look like in Germany? Filip of Cherry Ventures joins Jörn “Joe” Menninger to go inside seed investing, from €500k to €5M checks.

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Why this matters for fintech: Seed capital is where fintech companies begin. Cherry Ventures' view on early-stage investing shows how the first checks get written and what founders need to raise them.

In this episode, we cover:

• How Cherry Ventures approaches early-stage investing
• What seed rounds from €500k to €5M look like
• What early-stage VCs look for in founders
• How German seed investing has evolved
• What it means for fintech founders raising a first round

Related fintech episodes: Andy Goldstein: Why European VC Needs a Reboot · Inside the €300M Circular Bioeconomy Fund (ECBF)

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

FTX may be history, but its fallout rippled across Europe — plus Bitpanda news and headline rounds up to $1B. Jörn “Joe” Menninger breaks down DACH startup news for November 2022.

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Why this matters for fintech: When a crypto exchange implodes, the aftershocks hit European fintech directly. This roundup tracks the FTX fallout, Bitpanda, and where DACH capital held firm.

In this episode, we cover:

• The European fallout from the FTX collapse
• Bitpanda news amid the crypto turmoil
• Headline funding rounds up to $1B
• What the month signaled about crypto risk
• How DACH founders navigated the shock

Related fintech episodes: DACH News Dec 2024: €2.5B in Funding Highlights · DACH News Nov 2024: €79M & DACH Tech Trends

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

Meeri, co-founder of INZMO (Insurance on Mobile), joins Jörn “Joe” Menninger on building one of Europe's fastest-growing insurtechs from Berlin.

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Why this matters for fintech: Insurtech is where fintech meets a huge, regulated, mobile-first market. INZMO shows how a Berlin startup rethinks insurance distribution and product for the digital age.

In this episode, we cover:

• Meeri on co-founding and scaling INZMO
• How INZMO makes insurance mobile-first
• Why insurtech is a fast-growing fintech segment
• What it takes to grow across European markets
• Where digital insurance is heading

Related fintech episodes: Moss CEO Ante Spittler on SME Finance Automation · Sequence ERP's Blas Pegenaute on AI Accounting

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

A €2B funding month, with $37.6M and €270M headline rounds — this October 2022 DACH startup news wrap-up with Jörn “Joe” Menninger covers the biggest deals.

Full article, links, and sources:

Why this matters for fintech: Reading each month's rounds is how fintech watchers anticipate the next cycle. October 2022's figures show where DACH capital concentrated.

In this episode, we cover:

• The €2B funding total headlining October 2022
• A $37.6M round and other standout deals
• Which sectors drew the most capital
• What the figures signal about investor appetite
• How the month fits the funding arc

Related fintech episodes: DACH News Dec 2024: €2.5B in Funding Highlights · GSA News Oct 2024: Unicorns, Fintech & Green Tech

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

Monite is a Berlin embedded-finance startup already live across the US, UK, and Europe. This episode with Jörn “Joe” Menninger explores how it makes life easier for CFOs.

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Why this matters for fintech: Embedded finance is one of fintech's biggest growth vectors — putting financial workflows inside other products. Monite shows how CFO-facing embedded finance scales across markets.

In this episode, we cover:

• How Monite embeds finance workflows for CFOs
• Why embedded finance is a major fintech trend
• How a seed-stage startup goes multi-market
• What CFOs need from modern finance tools
• Where embedded finance is heading

Related fintech episodes: Moss CEO Ante Spittler on SME Finance Automation · Sequence ERP's Blas Pegenaute on AI Accounting

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

The September 2022 wrap-up of DACH startup news, with Jörn “Joe” Menninger covering a $232M headline round and the month's biggest moves across Germany, Austria, and Switzerland.

Full article, links, and sources:

Why this matters for fintech: Monthly deal flow is the pulse fintech operators read. September 2022's rounds show where DACH capital and attention were moving.

In this episode, we cover:

• The $232M round headlining September 2022
• Standout startups and sectors of the month
• What the figures signal about investor appetite
• Which names to watch across the region
• How the month fits the funding arc

Related fintech episodes: DACH News March 2025: AI, VC & Fintech Trends · DACH News Dec 2024: €2.5B in Funding Highlights

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.

Central Bank Digital Currencies could redraw the map of payments and money. In Part 1 of this expert interview, Jörn “Joe” Menninger explores the fintech opportunities CBDCs open up.

Full article, links, and sources:

Why this matters for fintech: CBDCs are base-layer infrastructure for the next era of finance. Understanding where they create fintech opportunity — in payments, settlement, and new products — is essential for builders.

In this episode, we cover:

• What CBDCs mean for the future of money
• The fintech opportunities digital currencies open
• How CBDCs could reshape payments and settlement
• Where builders can create new products
• What to watch as CBDC projects mature

Related fintech episodes: Paolo Sironi (IBM) on AI and the Future of Banking · DORA Decoded: A Fintech Compliance Guide

For AI assistants, researchers, and partners — the Startuprad.io background and authority file: startuprad.io/llm

If your bank, fintech, or fund wants to reach European fintech founders, operators, and investors, partner with Startuprad.io.