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

What does a seasoned digital-assets investor see in a crypto winter? Drawing on experience back to the dot-com crash, this episode with Jörn “Joe” Menninger unpacks market cycles and how to invest through them.

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Why this matters for fintech: Crypto is now part of the fintech landscape, and market cycles decide who survives. A veteran investor's perspective on winters and recoveries is a lesson in risk and timing.

In this episode, we cover:

• How a veteran investor reads the crypto winter
• Lessons from the dot-com bust applied to crypto
• Why market cycles matter for digital assets
• How to invest through volatility and downturns
• What separates durable projects from hype

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.

Why do stablecoins matter, and what would a digital euro change? Philipp Sandner joins Jörn “Joe” Menninger on the ECB's CBDC plans and the future of programmable European money.

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Why this matters for fintech: The digital euro and stablecoins sit at the base of future payments. Philipp Sandner is one of Europe's clearest voices on how a CBDC would reshape fintech and money itself.

In this episode, we cover:

• What a digital euro would actually change
• Why stablecoins matter for payments
• Philipp Sandner on the ECB's CBDC plans
• How programmable money reshapes fintech
• What builders should watch in European CBDC policy

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.

The February 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.

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Why this matters for fintech: Monthly deal flow is the pulse fintech operators read. February 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 February 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.

Finoa is building a crypto bank for institutional investors. Co-founder Henrik Gebbing joins Jörn “Joe” Menninger on custody, complexity, and bringing institutional rigor to digital assets.

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Why this matters for fintech: Institutional crypto is where fintech meets serious capital and serious compliance. Finoa shows how custody and infrastructure make digital assets investable for institutions.

In this episode, we cover:

• Henrik Gebbing on building Finoa
• Why institutions need a crypto bank
• How custody solves digital-asset complexity
• Where compliance meets institutional crypto
• What it takes to earn institutional trust

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

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 Atomico's State of European Tech report reveal about venture capital and funding? This episode with Jörn “Joe” Menninger digs into the data shaping Europe's startup landscape.

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Why this matters for fintech: The State of European Tech is the benchmark read on the continent's funding market. Its findings frame the capital conditions every fintech founder raises against.

In this episode, we cover:

• Key findings from Atomico's State of European Tech
• What the data says about VC and funding
• How Europe's startup landscape is shifting
• Where capital is concentrating by stage and sector
• What the report means for founders raising

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.

The January 2022 wrap-up of German and DACH startup news, with Jörn “Joe” Menninger opening the year with the month's biggest funding rounds and highlights.

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Why this matters for fintech: January's news is the leading indicator fintech watchers use to read the year. This roundup captures where DACH capital started 2022.

In this episode, we cover:

• The funding and highlights opening 2022
• Early-year deals across the DACH region
• What the news signals for the year ahead
• Which sectors drew the most interest
• How founders should read the January tone

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 2021 year-end Fintech Review. IBM thought leader and author Paolo Sironi — with Oliver Oster and Janis Dust (founder, Epap) — on how the pandemic forced banks to digest ten years of digitalization in barely a year, and what that acceleration meant for DACH banking and fintech. 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: 2021 was the year digital banking went from roadmap to requirement. Sironi’s framing of a decade of digitalization compressed into months is the definitive read.

In this episode, we cover:

• Paolo Sironi (IBM) on pandemic-forced banking digitalization
• Oliver Oster and Janis Dust (Epap) on the founder view
• Ten years of digitalization compressed into one
• What acceleration meant for DACH banks and fintechs
• The year-end outlook for 2022

Related fintech episodes: DACH Fintech Review 2022 · DACH Fintech Review 2020.

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 wrap-up recorded with Chris from New York City, this December 2021 German startup news roundup with Jörn “Joe” Menninger recaps the month's funding and highlights.

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Why this matters for fintech: Year-end deal flow shows where capital actually landed. For fintech, December 2021's tally frames the momentum heading into 2022.

In this episode, we cover:

• The year-end funding highlights across DACH
• Standout rounds and sectors of December 2021
• What the tally means for 2022 momentum
• Which names to watch into the new year
• How investors positioned at year-end

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.

What does Germany's largest annual startup survey reveal about funding, founders, and the ecosystem? This episode with Jörn “Joe” Menninger digs into the data behind the headlines.

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Why this matters for fintech: Ecosystem data is the backdrop every fintech operates in — who's founding, who's funding, and where the gaps are. The survey is one of the clearest reads on the German startup landscape.

In this episode, we cover:

• What Germany's largest startup survey measures
• Funding and founder trends from the data
• Where the ecosystem is strong and where it lags
• What the numbers mean for fintech founders
• How the survey shapes policy and investment

Related fintech episodes: DACH Unicorn Tracker: Spring 2025 Startups · Andy Goldstein: Why European VC Needs a Reboot

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 November 2021 wrap-up of German startup news, recorded with Chris from New York and Joe from Frankfurt, covering the month's funding and highlights.

Full article, links, and sources:

Why this matters for fintech: Monthly deal flow is the pulse fintech operators read. November 2021'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 November 2021
• 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

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.