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GAFAT – Why are we ignoring Telegram?
Just a few years ago, Telegram was considered a harmless messenger in Germany. Many used the app as an alternative to WhatsApp. Especially the high anonymity and data security convinced many users. Internationally, the app even had the reputation of a protest app. Via Telegram, opposition members in countries with authoritarian regimes organized themselves worldwide;…
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Info graphic: Comparison of growth in retail banks and direct banks
The German banking system is traditionally characterized by our retail banks, or branch banks. banks, which are characterized by personal customer contact. At some point the Internet came along. And since the Internet did not go away and the majority of banking transactions in the private customer sector were done from home on the computer…
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Götterdämmerung – es wird ernst bei den Neobanken
Ist sie vorbei die Herrlichkeit der Neobanken bzw. Challengerbanken? – oder sind im klassischen Gartner Hype Cycle – bzw. haben den “Mount Stupid” (den uns Prof. Dück auf unserer Transactions.io 2019 so schön näher gebracht hat) überwunden? Monzo verbrennt mehr und mehr Geld, Starling hat seinen Pivot schon hinter sich und um N26 ist es –…
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What has this “Fintech” ever brought us?
Or why the credit process is still at the status of the 70s? Disclaimer: This article arises from a phase of emotionality, I know you should never do that and it is in every good education book. But I’m doing it anyway, because I have a grant.We have tried to get a company loan, yes…
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And now Bank – The rearguard to the bank
On our own behalf: In recent months it has become clear that some of our Payment & Banking members are moving to Deutsche Bank in their main job. As a result, the protagonists are writing individual statements. After the vanguard Andre and Rafael yesterday now the rearguard today Jochen Siegert “Of all people, the bank…
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Children without power – why do we forget this important target group when it comes to finances?
Children are the future. Children are the future. A sentence that is sure to meet with broad approval and from which one could deduce that it is the task of society to prepare children for the future and to adapt them to it. What about this mission in the financial environment? The thesis that this…
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Fortnite – the nightmare of the GAFA´s?
What does a fictional game have to do with payment reality? We talk a lot about them – the GAFA´s and the BAT’s – many business models have shaking knees. Apparently, they can destroy everything and are already doing it in some parts. But in payment it is just starting. Even the GAFA´s are not…
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Where else is this going? – New numbers from PayPal
Did the results really surprise us? Or isn´t it actually just „business as usual “– everyone expects it.New big reports are a negative report. PayPal goes its way unobtrusively but constantly.The quarterly comparison of the 3rd quarte in 2017:13% more turnover ($3.68 billion915% more profit ($436 million)37% more payment volume ($134 billion) – other sources…
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Parking and payment
Will parking now become smart? When people deal with the organized standstill of passenger cars, it sounds terribly boring at first, but what all actually is linked to parking and how these people and companies play a decisive role in shaping our future, because they enjoy parking and thus also do something for our environment…
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The transfer strikes back
The bank transfer is probably the oldest and best known “online means of payment” – known from “film and television” – born offline and digitally. But never really made the step into the online World. Sure there was (sorry there is) the immediate transfer. Which is now in Swedish hands and soon will probably be…
