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

Startups in the region did better than expected — Celonis raised $1B and insurtech Wefox drew big money, even amid a few insolvencies. Jörn “Joe” Menninger wraps GSA startup news for summer 2022.

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Why this matters for fintech: A billion-dollar raise beside insolvencies is the funding climate in one season. For fintech, these swings — including insurtech's Wefox — signal where capital and confidence sat.

In this episode, we cover:

• Celonis's $1B raise headlining summer 2022
• Insurtech Wefox among the standout rounds
• The insolvencies balancing the good news
• What the season signaled about investor appetite
• How DACH founders navigated the swings

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

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

French neobank unicorn Qonto raised €486M in Series D at a €4.4B valuation — and set its sights on Germany. This episode with Jörn “Joe” Menninger unpacks the expansion play.

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Why this matters for fintech: Neobanks are fintech's most visible battleground, and Qonto's German push is a direct challenge to local incumbents. Its funding and strategy show how European neobanking scales across borders.

In this episode, we cover:

• Qonto's €486M Series D at a €4.4B valuation
• How the French neobank plans to conquer Germany
• What business banking looks like from a neobank
• How Qonto competes with local incumbents
• What the expansion means for European neobanking

Related fintech episodes: DACH News Sept 2025: N26 Crisis & a $2.3B AI Unicorn · Moss CEO Ante Spittler on SME Finance Automation

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

The June 2022 wrap-up of DACH startup news, with Jörn “Joe” Menninger covering the month's biggest funding rounds and highlights across Germany, Austria, and Switzerland.

Full article, links, and sources:

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

In this episode, we cover:

• The month's biggest DACH funding rounds
• Standout startups and sectors of June 2022
• 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

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

AlphaQ is a new Berlin-based fund of VC funds aiming to raise €1 billion. This episode with Jörn “Joe” Menninger explores how a fund-of-funds allocates capital across European venture.

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Why this matters for fintech: A fund of funds sits one layer up the capital stack, shaping which VCs — and ultimately which fintechs — get funded. AlphaQ's model shows how institutional money reaches startups.

In this episode, we cover:

• What AlphaQ's €1B fund-of-funds is building
• How a fund of VC funds allocates capital
• Where institutional money meets venture
• What LPs look for in fund managers
• How the model shapes the European funding stack

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

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

FQX wants digital debt to be registered, issued, transferred, and traded on its infrastructure. Co-founder and Co-CEO Benedikt Schuppli joins Jörn “Joe” Menninger on rebuilding corporate debt funding.

Full article, links, and sources:

Why this matters for fintech: Debt markets are vast and still largely analog — prime fintech infrastructure territory. FQX shows how digitizing issuance and trading could reshape how companies fund themselves.

In this episode, we cover:

• Benedikt Schuppli on FQX's digital-debt vision
• How debt gets registered, issued, and traded digitally
• Why corporate debt is a fintech infrastructure play
• Where new rails could replace analog processes
• What it means for corporate funding

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

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

The May 2022 wrap-up of DACH startup news, with Jörn “Joe” Menninger covering the month's biggest funding rounds and highlights across Germany, Austria, and Switzerland.

Full article, links, and sources:

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

In this episode, we cover:

• The month's biggest DACH funding rounds
• Standout startups and sectors of May 2022
• 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 Dec 2024: €2.5B in Funding Highlights · DACH News Nov 2024: €79M & DACH Tech Trends

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

Exaloan started as a rating agency for digital assets and grew into a global platform for digital crowdlending. This episode with Jörn “Joe” Menninger explores how it closes the SME lending gap.

Full article, links, and sources:

Why this matters for fintech: SME lending is a huge, underserved fintech market. Exaloan shows how data-driven crowdlending connects capital to small businesses that banks often overlook.

In this episode, we cover:

• How Exaloan evolved from ratings to crowdlending
• Why the SME lending gap is a fintech opportunity
• How digital platforms connect capital to businesses
• What data-driven lending changes about credit
• Where SME crowdlending 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.

Buy Now, Pay Later transformed consumer checkout — Billie is bringing it to B2B. This episode with Jörn “Joe” Menninger explores how Billie powers B2B payments, including its partnership with Klarna.

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Why this matters for fintech: BNPL is one of fintech's defining products, and B2B is its next frontier. Billie shows how deferred-payment infrastructure reshapes business checkout and merchant cash flow.

In this episode, we cover:

• How Billie brings Buy Now, Pay Later to B2B
• Why merchants want a B2B checkout option
• The Billie–Klarna partnership explained
• How BNPL changes business payments and cash flow
• Where B2B payments are 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 April 2022 wrap-up of DACH startup news, with Jörn “Joe” Menninger covering the month's biggest funding rounds and highlights across Germany, Austria, and Switzerland.

Full article, links, and sources:

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

In this episode, we cover:

• The month's biggest DACH funding rounds
• Standout startups and sectors of April 2022
• 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 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.

The March 2022 wrap-up of DACH startup news, recorded with Chris, covers the month's funding and highlights across Germany, Austria, and Switzerland with Jörn “Joe” Menninger.

Full article, links, and sources:

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

In this episode, we cover:

• The month's biggest DACH funding rounds
• Standout startups and sectors of March 2022
• 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.