This is the fintech track of Startuprad.io. 

Find us on Twitter: https://twitter.com/fintech_germany 

Learn more about us at www.startuprad.io

This is from the archives of Startuprad.io. The podcast was originally published on April 4th, 2019.

In this interview, we talk to Dr. Daniel Bartsch, COO, and Co-Founder of Frankfurt-based creditshelf. It is a novelty since it IPOed successfully in Frankfurt in summer 2018 with a volume of 16.5 m Euros and so became (as of October 2018) the first - and for now, the only - listed pure-play fintech from Germany to be listed. Creditshelf is a credit market place, where small and medium businesses can lend money up to 5 mn Euros. 

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During this interview we talk about the startup, the IPO process and Daniel describes why the preparations for an IPO need as long as a baby. 

In the interview, you will also learn why they are different from LendingClub or FundingCircle. If you speak German, you can also listen to the first interview from Joern with the CTO of creditshelf in the Fall of 2016 here: https://hearthis.at/startup/f09f948ainterviews-mit-3-gruendern-von-startups-auf-dem-letzten-coden-new-new-festival-in-karlsruhemp3refdown/ 

or here the interview with ZenCap, a Rocket Internet-backed startup, now part of FundingCircle: https://podtail.com/podcast/startupradio-de/zencap-im-interview/ 

Find the video here: https://youtu.be/GdY2pJeh1tE

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This is the fintech track of Startuprad.io. Find us on Twitter: https://twitter.com/fintech_germany 

Learn more about us at www.startuprad.io

This talk show is from the archives of Startuprad.io, originally published on December 25th, 2018

“When central banks use the technology behind Crypto to transform fiat money, that will be truly revolutionary” Paolo Siroin – at Startuprad.io’s 2018 fintech review

This is the audio track of a Google Hangout. You can find the video on our YouTube channel www.youtube.com/startupradio

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Welcome to the 2018 Fintech Review Germany by Startuprad.io. In the stream you will hear:

Paolo Sironi – Crunchbase – LinkedIn – Website – Twitter – InstagramYassin Hankir - Crunchbase – LinkedIn – Website – TwitterJörn “Joe” Menninger Crunchbase – LinkedIn – Website – TwitterHere you can find the 2017 fintech review: https://www.startuprad.io/news/2017-fintech-review-germany-2018-outlook/ 

Here is the 2016 interview with DWINS, the company behind Finanz Guru: https://www.startuprad.io/interviews/dwins-db-hackathon-winner/

Yassin talks about co-branding, for example, Finanz Guru (co-branded with Deutsche Bank, who owns 25% in the startup) https://finanzguru.de/

Paolo talks about regulations (referring to the last year).

"The regulatory storm hitting 2018

PRIIPs – A regulation, forcing asset managers to disclose more of the content of their products in a more simplified way.GDPR – A regulation on the usage of customer dataMifid II – A regulation on the transparency of investments.PSD2 – A regulation, which forces banks to open up via API to other companies, including fintechs" 

Joe refers to the dot-com company Pets.com https://en.wikipedia.org/wiki/Pets.com

Cost of capital for banks https://www.investopedia.com/terms/c/costofcapital.asp

Wealth Management https://www.investopedia.com/terms/w/wealthmanagement.asp

Interview with CreditShelf, which is Germany’s only listed pure-play: https://www.startuprad.io/exclusive/do-you-know-creditshelf-it-is-germanys-only-listed-pure-play-fintech/

As Paolo said, we have been to the Christmas Market and celebrated 10 years of fintech in Frankfurt:

https://www.instagram.com/p/BrVqaH4HsXl/

“It will be really tough to bring Crypto to the masses” Yassin Hankir – at Startuprad.io’s 2018 fintech review

Find all the links and show notes here: https://www.startuprad.io/featured-stories/talk-show-fintech-review-2018-germany-audio-rip/

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You are listening to the audio track of a YouTube interview. Find all the interviews at YouTube.com/Startupradio

Startuprad.io brings you in a Frankfurt-to-New-York recording the startup news Germany for October 2018. We wrap-up the news of the German-speaking startup scene (Germany, Switzerland, Austria, and Liechtenstein) of October in our recording. 

Find all the links and show notes on our website: https://www.startuprad.io/blog/this-month-in-german-startups-by-startuprad-io-october-2019/

Looking for services or equipment for your startup? Consider using our affiliate partners below (AL mark Affiliate Links):

AL: Need a bank account? Try our partner Penta https://getpenta.com/de/home?utm_source=affiliate&utm_medium=pap#a_aid=5d63e047605fa

AL: Co-Working at WeWork https://refer.wework.com/i/JoernMenninger 

AL: Marketing / SEO / Graphics / Sounds and more via Fiverr: http://www.fiverr.com/s2/66eaaa43e5 

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This is the fintech track of Startuprad.io. Find us on Twitter: https://twitter.com/fintech_germany 

Learn more about us at www.startuprad.io

This is from the archives of Startuprad.io. It was originally published on December 29th, 2017.

40 minutes a must-hear for every fintech executive and bank executives alike

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The fintech review Germany is one of the traditions of Startuprad.io. We started it in German back in 2014, when fintech first appeared. Since Startupradio.de will be shut down the end of 2017, we moved our tradition to the English channel. If you speak German, you will find the old shows here:

2014 Fintech Review German 2015 Fintech Review German2016 Fintech Review GermanOur guests: 

Luka – CrunchBase – LinkedIn

Our interviews with Luka in the past:Interview No1 was split into two parts: Part I  Part IIInterview 2Paolo – CrunchBase – LinkedIn

Interviews Joern mentions:

Deutsche Bank

Dwins

The regulatory storm hitting 2018

PSD2   – A regulation, which forces banks to open up via API to other companies, including fintechs

Mifid II  –  A regulation on the transparency of investments.

PRIIPs - A regulation, forcing asset managers to disclose more of the content of their products in a more simplified way.

GDPR - A regulation on the usage of customer data

Mentioned article by Joern Financial Crisis shape the financial markets

Article from Paolo on innovation

Other terms used:

UCITS investment funds

Wealth Management

Find all the links and show notes here: https://www.startuprad.io/news/2017-fintech-review-germany-2018-outlook/

Our sponsors:

Slack.com

Startups.Observer

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This is the fintech track of Startuprad.io. Find us on Twitter: https://twitter.com/fintech_germany 

Learn more about us at www.startuprad.io

This is from the archives of Startuprad.io. We published this interview originally on December 14th 2017

In this interview, we talk with Luka co-founder and head of growth at Berlin-based fintech Get Penta, who is in the process of re-thinking banking for small and medium businesses. Penta went live with their account, what they call open beta, this week and we have the exclusive podcast interview here for you. Tune in to learn more.

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Our listeners know Luka from his two extensive interviews, where he told about his entrepreneur live before Penta. You find them both here:

https://www.startuprad.io//interviews/interview-penta-mobile-banking-app-small-medium-companies/https://www.startuprad.io//interviews/interview-penta-part-ii/CrunchBase profile

Learn more about Penta on their website.

© Startuprad.io - All right reserved

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This is the fintech track of Startuprad.io. Find us on Twitter: https://twitter.com/fintech_germany 

This is from the archives of Startuprad.io. Originally published October 26th 2017.

In this interview we talk to Dr. Tamaz Giorgadze, who came to Germany from his native Georgia, eventually becoming a partner at the German office of McKinsey & Company. During the financial crisis, he saw a demand for retail deposits by banks and decided to jump ship to set up his own company. The company is operating as weltsparen.de in Germany and raisin.com internationally. Joern talks to Tamaz and you get a quick overview of what banks actually do, where they get their money from and how retail investors in Europe profit from this.

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We are talking during the interview about those topics:

Wholesale funding

Bank’s transformation function 

Duration

Regulatory measures of a bank’s liquidity

Liquidity coverage ratio  

Net Stable Funding Ratio 

Deposit 

KYC – Know your customer 

AML – Anti Money Laundry

TÜV – A German association of mostly technical auditors

Payment topics we touch

- SEPA

- TARGET 2

- And a correspondent bank system (all money transfer used to be done this way)

Deposit insurance schemes (how saver’s money is insured)

- Harmonized scheme in Europe

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This is the fintech track of Startuprad.io. Find us on Twitter:: https://twitter.com/fintech_germany 

From our archives. Originally published on September, 14th 2017.

For the first time in 17 years, a new health insurance company was founded in Germany, called ottonova. It just received their permission to operate from the German financial oversight BAFin. Due to this special occasion, we wanted to bring you a world premiere, their first English interview. We, therefore, talk to Yvonne Gründler, Chief Product Officer. ottonova aims to be an all-digital insurance company,  who wants to partner with their insurance buyers.

Learn more in the interview about the differences to get a full insurance company off the ground and why they need forecasts of up to 120 years.

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This is the fintech track of Startuprad.io. Find us on Twitter: https://twitter.com/fintech_germany 

Learn more about us at www.startuprad.io

This is from the archives of Startuprad.io. The original interview was published on April 4th, 2019.

This is the audio track of a video interview: https://youtu.be/kSukV8PUrk4

In this interview, we talk to Yoram Wijngaarde, founder of the data platform Dealroom.co (https://blog.dealroom.co/). He is a former employee of Lehmann Brothers New York (https://en.wikipedia.org/wiki/Lehman_Brothers), and during the interview, we talk about his experience of the collapse from the inside.  

“Germany is more restraint – conservative – with publishing [Venture Capital] numbers” 

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After some stops in investment banking in New York, he went on to become employee No 2 of Noah Advisors, a boutique for startups in Berlin. During all of his work, he bumped into problems finding good data on the valuation of startups in Europe. Data for startups from the UK and US is easy to come by, but continental Europe was still a problem. He then set out to solve this problem with the founding of Dealroom.co. 

“Where venture capital ends and private equity begins or public markets begin, these lines are really blurring … this is what we are seeing and this is why the rounds get larger and larger”

During the interview Yoram and Joe talk about:

Mergers and Acquisition (Investment Banking – Takeovers, Mergers or Buyouts) https://en.wikipedia.org/wiki/Mergers_and_acquisitions 

A small overview of company valuations

Multiples https://www.investopedia.com/terms/m/multiplesapproach.asp

DCF https://www.investopedia.com/terms/d/dcf.asp

Real Options https://www.investopedia.com/terms/r/realoption.asp

You can learn more about the valuation of options here (https://www.investopedia.com/terms/r/riskrewardratio.asp)

February Numbers 2019 https://blog.dealroom.co/february-broke-all-time-vc-investment-record-e2-9b-in-europe-e3-2b-including-israel/

“Are we in a bubble? Well, only time will tell … the market is still disciplined, with some exceptions … but we don’t see DotCom-Bubble Craze”

RhineMain.vc, the project Joern initiated, which publishes venture funding on an aggregated basis for the greater Rhine-Main area: https://rheinmain.vc/ (the URL RhineMain.vc will redirect you to the same page)

© Startuprad.io - All right reserved // Photo Yoram courtesy of Dealroom.co

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Published 2017/03/28

In this interview, we talk to Joris Hensen and Frank Pohlgeers from the Digital Factory of Deutsche Bank. We talk about the intention of Deutsche Bank to help build an ecosystem, by granting fintechs access via their API, but also for non-fintechs. Deutsche Bank is interested in cooperating with startups from fintech, what they call “near-banking” and “beyond banking” and is opening itself up to them. The bank is even working on a partnership program to help start an ecosystem.

If you want to know more about the API of Deutsche Bank, you can learn more in the Developer Portal of DB.

The interview was conducted by Joern and Gaurav from the startuprad.io team in Frankfurt, inside the Digital Factory of Deutsche Bank.

During the interview, we talk about the winners of Deutsche Bank Hackathon API/OPEN. You can find our interviews with three of them here:

DWINSFinchildWireAffiliated Links

 GlobalUSAEuropeGermanyCo-WorkingWeWorkWeWorkWeWorkWeWorkMarketing / SEO / Graphics / Sounds and moreFiverrFiverrFiverrFiverrEmail service?G-SuiteG-SuiteG-SuiteG-SuiteLearn more about our Affiliated Marketing here: https://www.startuprad.io/blog/affiliate-marketing-at-startuprad-io/

© Startuprad.io - All right reserved

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This is the fintech track of Startuprad.io. Find us on Twitter: Twitter: https://twitter.com/fintech_germany

Startuprad.io brings you in a Frankfurt-to-New-York-Live-Hangout the startup news Germany. 

Find the hosts here:

Joe Menninger [email protected] / Twitter  / LinkedIn / Video Interview (2018)

Chris Fahrenbach [email protected] / Twitter / Homepage / Video Interview (2018)

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 GlobalUSAEuropeGermanyCo-WorkingWeWorkWeWorkWeWorkWeWorkMarketing / SEO / Graphics / Sounds and moreFiverrFiverrFiverrFiverrEmail service?G-SuiteG-SuiteG-SuiteG-SuiteLooking for a bank account for your startup? Have a look at our partner Penta  Penta Bank AccountPenta Bank AccountLearn more about our Affiliated Marketing here: https://www.startuprad.io/blog/affiliate-marketing-at-startuprad-io/

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Startups.observer supports this program. Startups.observer is like online dating for startups and investors. It is by far the easiest and most efficient way to research potential investment candidates or look for potential investors. Learn more here: http://startups.observer/

Find all the links and show notes here: https://www.startuprad.io/blog/startup-news-germany-summer-july-august-september-2019/

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