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

From the Startuprad.io archives — the 2018 year-end Fintech Review, the annual DACH fintech talkshow featuring Paolo Sironi and the German-speaking scene’s regtech and compliance voices, looking back at the year in 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.

Full article, links, and sources:

Why this matters for fintech: An archive edition of the flagship year-end review — a snapshot of DACH fintech’s regtech-and-compliance era, with Paolo Sironi anchoring the conversation.

In this episode, we cover:

• Paolo Sironi on the year in DACH fintech
• Regtech and compliance themes of 2018
• The annual year-end talkshow tradition
• A snapshot from the Startuprad.io archives
• The outlook into 2019

Related fintech episodes: DACH Fintech Review 2019 · DACH Fintech Review 2017.

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 October 2019 wrap-up of German startup news, delivered Frankfurt-to-New-York with Jörn “Joe” Menninger, covering the month's funding and highlights.

Full article, links, and sources:

Why this matters for fintech: Reading each month's rounds is how fintech watchers anticipate the next cycle. October 2019's figures show where DACH capital concentrated.

In this episode, we cover:

• The month's biggest DACH funding rounds
• Standout startups and sectors of October 2019
• 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.

From the Startuprad.io archives — the 2017 year-end Fintech Review with a 2018 outlook, an early edition of the annual DACH fintech talkshow covering the German-speaking scene’s regtech, compliance, and banking themes. 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.

Full article, links, and sources:

Why this matters for fintech: One of the earliest editions of the flagship year-end review — a founding-era snapshot of DACH fintech and the tradition that has run every year since 2014.

In this episode, we cover:

• The year in DACH fintech, 2017
• The 2018 outlook for German-speaking fintech
• Regtech, compliance, and banking themes
• An early edition of the annual talkshow
• The tradition that has run since 2014

Related fintech episodes: DACH Fintech Review 2018 · DACH Fintech Review 2019.

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.

Penta, the Berlin business-banking fintech, launched its open beta. This episode with Jörn “Joe” Menninger explores building digital banking for SMEs from the ground up.

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Why this matters for fintech: Business banking is core fintech territory, and Penta targeted the underserved SME segment. Its beta launch is a look at how a challenger bank gets built.

In this episode, we cover:

• How Penta built business banking for SMEs
• What launching an open beta involves
• Why SME banking was underserved
• How challenger banks win business customers
• Where digital business banking is heading

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

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 financial crisis inspired Raisin, Europe's savings-marketplace fintech. This archive episode with Jörn “Joe” Menninger explores how it connects savers to better deposit rates across borders.

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Why this matters for fintech: Raisin turned a post-crisis insight into a pan-European deposit marketplace — classic fintech, connecting savers and banks. It's a case study in building financial infrastructure across borders.

In this episode, we cover:

• How the financial crisis inspired Raisin
• What a savings marketplace actually does
• How Raisin connects savers to better rates
• Why cross-border deposits were an opportunity
• Where savings-marketplace fintech is heading

Related fintech episodes: Count Finance's Laura Cornely on Money Anxiety · Moss CEO Ante Spittler on SME Finance Automation

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.

In this early English-language interview, Ottonova — Germany's first new health insurer in almost 20 years — explains its all-digital model to Jörn “Joe” Menninger.

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Why this matters for fintech: Health insurance is a huge, regulated market, and Ottonova proved insurtech could enter it. This archive interview captures the ambition at the start of a digital insurer.

In this episode, we cover:

• How Ottonova built an all-digital health insurer
• Why entering health insurance is so hard
• What a digital-first insurance experience offers
• How insurtech challenges legacy insurers
• Where the company aimed to go

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.

One founder went from Lehman Brothers' collapse to building a Berlin data startup. In this episode, Yoram shares that journey with Jörn “Joe” Menninger.

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Why this episode matters: A career forged in the financial crisis brings hard-won perspective to building a company. Yoram's path from Lehman to a data startup is a story of resilience and reinvention.

In this episode, we cover:

• Yoram's journey from Lehman's collapse to founding
• What the financial crisis taught a future founder
• How finance experience shaped a data startup
• Lessons on resilience and reinvention
• What it takes to start over and build

Related episodes: Andy Goldstein: Why European VC Needs a Reboot · 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.

Joris Hensen and Frank Pohlgeers of Deutsche Bank's Digital Factory join Jörn “Joe” Menninger on how a major bank works with startups and builds digital innovation.

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Why this matters for fintech: When a bank the size of Deutsche Bank opens to startups, it shapes the fintech ecosystem. The Digital Factory is a look at how incumbents try to innovate and partner.

In this episode, we cover:

• How Deutsche Bank's Digital Factory works
• Joris Hensen and Frank Pohlgeers on bank innovation
• Why incumbents build startup programs
• Where banks and fintechs collaborate
• What corporate innovation gets right and wrong

Related fintech episodes: Paolo Sironi (IBM) on AI and the Future of Banking · DWINS: The Fintech That Won the Deutsche Bank Hackathon

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 Frankfurt-to-New-York summer 2019 wrap-up of German startup news, with Jörn “Joe” Menninger recapping the season's funding and highlights.

Full article, links, and sources:

Why this matters for fintech: A seasonal wrap-up shows the through-line of where capital pooled. For fintech, it frames the momentum heading into autumn 2019.

In this episode, we cover:

• The season's biggest DACH funding rounds
• Standout startups and sectors over summer 2019
• What the figures signal about investor appetite
• Which names defined the quarter
• How the season set up the rest of the year

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.

DWINS won the Deutsche Bank Hackathon — the third in our series on the winners. In this episode, founders Ben and Alex join Jörn “Joe” Menninger on the fintech they built.

Full article, links, and sources:

Why this matters for fintech: Hackathon winners are a preview of fintech's next ideas. DWINS shows how a bank-backed contest surfaces products that reimagine personal finance.

In this episode, we cover:

• How DWINS won the Deutsche Bank Hackathon
• Ben and Alex on the fintech they built
• What bank hackathons reveal about fintech ideas
• Why personal-finance tools drew attention
• Where the winning idea aimed to go

Related fintech episodes: FINCHILD: The Fintech That Won the Deutsche Bank Hackathon · Wire: The Fintech That Won the Deutsche Bank Hackathon

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.