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Fintech

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Brief history of IBANs and current Fintech challenges

“It is not enough not to be a racist, you have to be an anti-racist“. The last week has shown us, that we as humans still have a long way to go. Three black members of our society have died because they are black. The size and intensitity of demonstration

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A new law makes it mandatory to issue receipts in Germany. Blessing or curse for merchants?

Starting next year, most merchants in Germany have to provide a receipt for their customers after a purchase. If you have travelled or lived in other countries, this might be very normal to you. I know quite well the signs in cafes and restaurants in India that say “If you

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B2B FinTech fundings

This week was predominated by the funding announcement of three FinTech companies: Iwoca (150m GBP debt and equity), GoCardless (75m USD equity) and Mambu (30m EUR equity). What makes these three announcements a bit special is – beside the fact that all of them announced them on the same day – that

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Good times to be in FinTech

In the early days of FinTech, I remember quite a few people talking negatively about the potential impact of FinTech. The reasons were plentiful: missing investors, incumbents not interested to collaborate, high entry barriers, no mass market interest… Just to name the most popular ones. In their eyes, FinTech was

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We come in piece(s)

It was just a funny autocorrect but somehow so fitting. I tweeted about an article describing Google’s efforts to collaborate with banks in regards of PSD2 and that Google intends not to compete with banks. In that tweet I raised the questions if banks knew what they are about

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How to be 10 times better in FinTech?

Even though some people are still trying to ignore the trend of “FinTech”, it is already a pretty crowded space. In the early times (the wave I am talking about started around 2013/14) we saw that new services were rather focused on the “outer circle” of Financial Services. In

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Can banks get on "The Startup Way"?

I have just finished reading my second book this year (so I am nearly on schedule with my personal one-book-per-month-rule) and thought of giving you a glimpse of it . The book is called Startup way by Eric Ries. Many of you will know the famous book called “The Lean Startup”

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Deutsche Bank and WhatsApp are launching new payment functionalities

Just two weeks ago I had written here about the impact of PSD2 on services implementing payment functionalities into their service. And in each of the last two weeks there were stories about companies exactly implementing this functionality. Surely, these services are not powered by PSD2 APIs (because we are

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My personal non-FinTech re-bundling experience

When I am talking about un-bundling and re-bundling of Financial Services you probably know what I mean. If not, you probably know this screenshot of the Wells Fargo homepage where a FinTech logo is added to any service Wells Fargo is offering. This screenshot is easily the most shown graphic

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Is this the beginning of the fourth FinTech wave?

End of the year is the time for reflection and thinking. For me finally time to picking up this blog again and wonder why I stopped earlier?! As I am too late for a 2017 write-up, I want to focus on the biggest story in the last week before Christmas: