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Banking exchange 2019: Sun, Star Wars and Banking
On the 19th and 20th of September 2019 the time had come again! For the third time, we hosted the Banking Exchange in Frankfurt. Once again, the “Who is Who” of the banking industry met in Frankfurt for two days to discuss developments in the German banking landscape and the Fintech scene. The third Banking…
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Choosing a bank, with sense and reason!
Why it matters at which bank you are To have ethical principles is a good thing and one of the most important tasks of education. Ethical or moral action is partly anchored in us since our childhood and can cover quite different aspects in our daily life. The topic of sustainability, which has become an…
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The WOW moments or customer concentrated solutions
Being a reader and listener of Payment and Banking, one can´t probably hear it anymore, when we keep coming up with the phrase “thinking from the customer’s point of view”. But why this is important and what makes the difference, I will show here with examples from the last few weeks. In any product development,…
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Why Klarna is the better PayPal
When the payment buddy PayPal, was launched 20 years ago, e-commerce was still in its infancy and the word Fintech did not even exist. Nevertheless, PayPal was exactly that, a startup that linked finance services with technology and significantly shaped and advanced online payment traffic as we know it today. PayPal has 23 million customers…
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Platform economy and SuperApps in Southeast Asia – Is this also possible in Germany?
In addition to the growing trend towards cashless payment, as well as payment via mobile phones or the discussion about “connected cars”, which (should) open up completely new possibilities for “mobile commerce”, terms such as “platform ecosystem” or “platform economy” dominate various specialist and entertainment media. https://www.ehi.org/de/pressemitteilungen/liebe-zum-bargeld-laesst-nach/ https://www.mobilemarketer.com/news/how-in-car-tech-will-give-new-meaning-to-mobile-commerce/530422/ https://www.cio.com/article/3139401/platform-ecosystems-a-new-strategy-for-generating-profit.html https://hbr.org/2019/05/a-study-of-more-than-250-platforms-reveals-why-most-fail At one point or another,…
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Sign in with Apple – the facts
When two people quarrel, a third rejoices. After the two analyses by the colleagues, Jochen Siegert and Rafael Otero, what a Sign in with Apple means for the market – or does not mean, we now look at the functionality of the “Sign in with Apple”. The “Sign with Apple” is not the end of…
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The German Payment Scheme – is the end of the rag rug approaching?
A good eight years ago, I demanded it once before: Please dear bank, just let me pay. (https://www.deutsche-startups.de/2013/08/22/liebe-bank-bitte-lass-mich-endlich-bezahlen/amp/). Almost a decade later the time has come. The topic has reached politicians, central authorities and experts: The wish to bundle the various initiatives of the German credit industry with payment in order to be able to…
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The world of eScooters – or why payment is “not yet” an infrastructure
The topic “Mobility”, in particular the eScooter, has often been the subject of our discussions as a “payment-related” topic. Coming from theory, now practice: tough reality in the form of a weekend trip to Copenhagen. Two adults, three kids (5,11,14) need mobility when exploring the city. Copenhagen seems to be far ahead in this respect,…
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Why innovations from Germany have such a hard time in the digital world
Somehow it annoys us doesn´t it, that almost all digital services we regularly use and enjoy do not originate or have originated in our neighborhood. In the real world it was different for a long time and it still is in many places. Cars from Germany or Europe, furniture from Ikea and food from Edeka…
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The Tidal Wave of Change
We are experiencing an unprecedented global shift in demographics. Our society is aging; we are living longer, healthier, and more productive lives. Life expectancy has improved significantly, and we have added decades of healthy living since the early 1900s. Along with longer lifespans, we are also staying employed longer than before. Soon, we will have…
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The Future of Banking
The journey from unbundling to rebundling and back has been a formidable one. Emerging technologies and the pace of innovation are driving changes throughout the banking industry at an unprecedented rate. From Asia to Europe, U.S. to Africa, and Australia to the Middle East, consumers are not only increasingly adopting digital – most are demanding…
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Of ducks, cryptocurrencies and the future of e-money
What makes a number money? Meanwhile, more than 2,500 crypto currencies are listed on various crypto exchanges. Basically, these tokens are not actually currencies, and most of the time, they are not even a form of money. In the simplest case, the tokens are just a digital message between two user accounts. Others represent certain…
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Micro-Mobility
On the revolution of the urban mobility industry Introduction The world population is growing steadily and around 60% of all people are going to live in urban areas by 2030. This is going to have a direct impact on transportation systems within these areas which are already reaching their limits. As consumer preferences are changing,…
