“For banks the pandemic meant that they had to digest 10 years of digitalization in only two years.” Paolo Sironi - Thought Leader and Author Hello and welcome everyone to our 2021 Fintech Review for the German Speaking Area - Germany, Austria, and Switzerland, also called GSA. This is an annual tradition started in 2014, first in German, now in English. You can find the older reviews in the blog post below: “Crypto is coming, no question. The metaverse is coming and exciting for me is the question how we will pay in the metaverse” Oliver Oster - CMO and Founder OptioPay “What struck me the most in 2020 is Crypto. It is sooo much more popular today than one or two years ago” Janis Dust - CMO and Co-Founder Epap Subscribe Here Find all options to subscribe to our newsletter, podcast, YouTube channel or listen to our internet radio station here: https://linktr.ee/startupradio (https://linktr.ee/startupradio) “As people are going from in-person to remote a lot of [banking] processes have to be updated. It is basically a huge accelerator for the whole banking industry.” Frank Schwab - Co-Founder Fintech Forum Our Sponsor Startupraven The best way to identify investors and cooperation partners for early-stage startups. Sign up for early access here: https://startupraven.com/ (https://startupraven.com/) “[Venture] Capital becomes more concentrated. It will get harder for the new kids on the block” Frank Schwab - Co-Founder Fintech Forum Our Guests Today I welcome our guests: Janis Dust - A young fintech entrepreneur, co-founder and CMO of epap (https://de.linkedin.com/in/jannisdust (https://de.linkedin.com/in/jannisdust)) Paolo Sironi - A fintech entrepreneur, turned global research leader in banking and financial markets as well as a book author (Website: https://www.thepsironi.com/ (https://www.thepsironi.com/), https://www.linkedin.com/in/thepsironi/ (https://www.linkedin.com/in/thepsironi/?originalSubdomain=de))You can buy his newest book here: https://amzn.to/30MLgOy (https://amzn.to/30MLgOy) Frank Schwab - Co-founder of Fintech Forum (http://fintechforum.de/ (http://fintechforum.de/)) and multiple board member (https://www.linkedin.com/in/frankschwab/ (https://www.linkedin.com/in/frankschwab/)) Oliver Oster - Fintech entrepreneur, founding partner AQVC, founder and COO OptioPay (https://www.linkedin.com/in/oliver-oster-37611063/ (https://www.linkedin.com/in/oliver-oster-37611063/)) “10 years ago adding the valuation and market capitalization of the global top 500 banks and fintech unicorns plus the payment providers: 10 years ago banks represented 97% of that value, today they are down to almost 70%.” Paolo Sironi - Thought Leader and Author “The most obvious impact [of corona] for me was, that here in Berlin people have stopped paying cash and now pay by card or digital [cell phone or wrist watch]” Oliver Oster - CMO and Founder OptioPay Find all links and show notes here: https://www.startuprad.io/blog/fintech-review-2021-germany-austria-and-switzerland-gsa/ (https://www.startuprad.io/blog/fintech-review-2021-germany-austria-and-switzerland-gsa/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

HoHoHo Welcome to This Month in German Startups in December 2021 by Startuprad.io - in a news recording with Chris from New York City and me Joe, from Frankfurt am Main. We recorded this new episode on Monday, December 20th. All news not included here will be published in our next news episode. There will also be our annual Fintech Review on December 25th and we will be back with an AI startup interview on January 13th. So we take a few weeks off around the holidays. Happy Holidays! We are not there yet, so let's get started: Today we bring you another new unicorn, a monster funding of 266 mn US$ at Mambu, Volocopter calls off its SPAC IPO and gets a backlash from its early crowd investors, also Jokr is now the 3rd quick delivery unicorn - in record time - and we have an update on Sono Motors. We also take a look at the State of European Tech survey by Atomico and several news pieces on the German Venture Capital Market, as well as VC in general. Let's talk startups: Subscribe Here Find all options to subscribe to our newsletter, podcast, YouTube channel or listen to our internet radio station here: https://linktr.ee/startupradio (https://linktr.ee/startupradio) Enablers Invest-in-Hessen This show was made possible by Hessen Trade and Invest with their brand Invest-in-Hessen. You can learn more about them here (https://www.invest-in-hessen.com/ (https://www.invest-in-hessen.com/)). We also run a dedicated sub-podcast with all interviews and news in cooperation with them. Find it all here: https://anchor.fm/techstartupsgermany (https://anchor.fm/techstartupsgermany) Startupraven The best way to identify investors and cooperation partners for early stage startups. Sign up for early access here: https://startupraven.com/ (https://startupraven.com/) Find all links and extensive show notes here: https://www.startuprad.io/blog/this-month-in-german-startups-december-2021/ (https://www.startuprad.io/blog/this-month-in-german-startups-december-2021/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

Our Sponsor Startupraven The best way to identify investors and cooperation partners for early-stage startups. Sign up for early access here: https://startupraven.com/ (https://startupraven.com/) The Survey Hey guys, this is Joe from Startuprad.io. Today we bring you an audio-only episode. We know this is uncommon, but there is a special occasion for this. The most comprehensive startup survey is Germany was published, so we wanted to bring you some highlights. This extensive survey is conducted by the German Startup Association in cooperation with partners annually since 2013. Feedback Reach out to us, here is our audience survey, to give us feedback, suggest topics, interview partners or just to say “Hallo!” https://forms.gle/mLV6mVKwGwKuut8BA (https://forms.gle/mLV6mVKwGwKuut8BA) The Host This interview was conducted by Jörn “Joe” Menninger, startup scout, founder, and host of Startuprad.io. Reach out to him: LinkedIn (https://www.linkedin.com/in/joernmenninger/) Twitter (https://twitter.com/joemenninger) Email (mailto:[email protected]?subject=Interview%20Feedback) Find all links and show notes here: https://www.startuprad.io/blog/germanys-most-extensive-annual-startup-survey/ (https://www.startuprad.io/blog/germanys-most-extensive-annual-startup-survey/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

Welcome to This Month in German Startups in November 2021 by Startuprad.io - in a news recording with Chris from New York City and me Joe, from Frankfurt am Main. We recorded this new episode on Friday, November 19th. All news not included here will be published in our December News (to be published on December 23rd). There will also be our annual Fintech Review on December 25th and we will be back with an AI startup interview on January 13th. So we take a few weeks off around the holidays. We are not there yet, so let's get started: Today we have escooter Tier’s newest funding and acquisition, N26 pulling the plug on their US operations already in January 2022, and the amazing IPO of Sono Motors on NASDAQ. There are also new unicorns, we proudly present Frankfurt’s first unicorn, the insurtech Clark.de. Also, Razor Group (an Amazon shop buyer) becomes a unicorn with a 125 mn US$ fundraising. In November, there is no unicorn tracker. We will keep our eyes open and maybe the next news will have a unicorn tracker companion. Happy Thanksgiving to our US audience! Let's talk startups: Find all links and show notes here: https://www.startuprad.io/blog/this-month-in-german-startups-november-2021/ (https://www.startuprad.io/blog/this-month-in-german-startups-november-2021/) Subscribe Here Find all options to subscribe to our newsletter, podcast, YouTube channel or listen to our internet radio station here: https://linktr.ee/startupradio (https://linktr.ee/startupradio) Enablers Invest-in-Hessen This show was made possible by Hessen Trade and Invest with their brand Invest-in-Hessen. You can learn more about them here (https://www.invest-in-hessen.com/ (https://www.invest-in-hessen.com/)). We also run a dedicated sub-podcast with all interviews and news in cooperation with them. Find it all here: https://anchor.fm/techstartupsgermany (https://anchor.fm/techstartupsgermany) Startupraven The best way to identify investors and cooperation partners for early-stage startups. Sign up for early access here: https://startupraven.com/ (https://startupraven.com/) News Text and Show Notes Find all links and show notes here: https://www.startuprad.io/blog/this-month-in-german-startups-november-2021/ (https://www.startuprad.io/blog/this-month-in-german-startups-november-2021/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

The Enabler This interview was made possible by Hessen Trade and Invest with their brand Invest-in-Hessen. You can learn more about them here (https://www.invest-in-hessen.com/ (https://www.invest-in-hessen.com/)). We also run a dedicated sub-podcast with all interviews and news in cooperation with them. Find it all here: https://anchor.fm/techstartupsgermany (https://anchor.fm/techstartupsgermany) We started serveral early SaaS Platforms and Fastbill was one of them. We just solved our problems at the time. René Maudrich, MD Germany FreshBooks The Founder In this interview, we talk to one of the most experienced fintech founders in the greater Frankfurt area. René Maudrich (https://www.linkedin.com/in/renemaudrich/ (https://www.linkedin.com/in/renemaudrich/)) is the CEO and founder of Frankfurt-based accounting and invoicing fintech Fastbill. They have been bought by Toronto, Canada-based, fintech unicorn Freshbooks (https://www.freshbooks.com/ (https://www.freshbooks.com/)). He now holds the position of managing director of FreshBooks Germany. Want to be found by Business opportunities or contacted by new investors? Get scouted by us, when we a have matching mandate and enroll your startup in our database: https://forms.gle/DmPtBKJH7MMmJoYo8 (https://forms.gle/DmPtBKJH7MMmJoYo8) We don’t sell your data or spam you. We will even reach out to you before we include you in a scouting mandate. We became a top 3 provider in GSA (Germany, Switzerland and Austria), but we also have clients in 13 other countries. René Maudrich, MD Germany FreshBooks The Startup Fastbill (https://www.fastbill.com/ (https://www.fastbill.com/)) was one of the early fintech startups, that have been around, before fintech was a thing. They help small companies and freelancers with their invoicing and accounting. They are a top 3 provider for this kind of software in Germany. You can learn more about them here: Also, Mario (https://www.linkedin.com/in/mahachemer/ (https://www.linkedin.com/in/mahachemer/)), the CTO of Fastbill has been a frequent guest. Mario is also part of the frequent crew of our annual fintech review. You can learn more about the company, him, and René in our interviews linked below. We bootstrapped for six years before we took VC money. That was a bit too late. I would recommend it later. René Maudrich, MD Germany FreshBooks The Exit FreshBooks already knew Fastbill from events. FreshBooks was interested in purchasing a stake in Fastbill with their next investment round. During the conversation, they decided on an outright takeover. FreshBooks now owns all equity in Fastbill and the core team with René, Mario and Benjamin stay on board. All former Fastbill shareholders are now FreshBooks shareholders. The Fastbill team is not permitted to speak about the transaction price. We can make estimates about the price range: In 2019 they had approx. 2.5 mn Euros revenue (according to estimates in several databases). Assuming a growth to 3 or even 5 mn Euros annualized revenue in 2021 one can estimate the range of the transaction volume with normal multiples from 45 mn Euros at the low end to 110 mn € at the higher end, adding an “earn-out clause” of approx. 10% over the next few years. Find all links, show notes and further readings here: https://www.startuprad.io/blog/fastbills-exit-to-canada-based-unicorn-freshbooks/ (https://www.startuprad.io/blog/fastbills-exit-to-canada-based-unicorn-freshbooks/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

Meet TIS the world’s leading SaaS-B2B outbound payment platform The problems we are solving for our clients now are the problems I had in my former corporate job. Jörg Wiemer, Co-Founder and CSO at TIS Subscribe Here Find all options to subscribe to our newsletter, podcast, YouTube channel or listen to our internet radio station here: Link https://linktr.ee/startupradio (https://linktr.ee/startupradio) Want to be found by Business opportunities or contacted by new investors? Get scouted by us, when we have a matching mandate and enroll your startup in our database: https://forms.gle/DmPtBKJH7MMmJoYo8 (https://forms.gle/DmPtBKJH7MMmJoYo8) We don’t sell your data or spam you. We will even reach out to you before we include you in a scouting mandate. Our goal is for the topline 3x in the last three years. Jörg Wiemer, Co-Founder and CSO at TIS The Founder In this interview, we talk to Jörg Wiemer (https://www.linkedin.com/in/joerg-wiemer/ (https://www.linkedin.com/in/joerg-wiemer/)) the co-founder, former CEO and current CSO (Chief Strategy Officer) of the grown-up tech company TIS (https://www.tis.biz/ (https://www.tis.biz/)). Jörg had already an extensive corporate background with stops at Deutsche Bank and Douglas Holding (a beauty retailer). Was Senior Vice President and Head of Global Treasury at SAP, where he saw an opportunity and took a leap into entrepreneurship. In 2010 he co-founded TIS. Joe always wanted to interview them, because they have been an important early success story that made startups sexy again. Also, any current or aspiring entrepreneur can learn a lot from Jörg in the interview. Jörg has a lot of good advice from his early times starting TIS. You will find it in the last 1/3rd of the interview. For us … getting venture capital early was a good decision. Jörg Wiemer, Co-Founder and CSO at TIS You don’t want to optimize your shareholdings in the company, you want to maximize your chances of success. Jörg Wiemer, Co-Founder and CSO at TIS The Tech Company TIS has been part of FT 100 Europe’s fastest-growing companies in 2019, 2020, and 2021. TIS stands for Treasury Intelligence Solutions (https://www.tis.biz/ (https://www.tis.biz/)) and is headquartered in Walldorf. Yes, the Walldorf is also home to SAP. The company has routes within SAP but is by now an independent grown tech company with more than 200 employees worldwide and a strong presence in Europe and North America. Startuprad.io always aims to bring you interesting founder stories, so it was about time to bring you the founder of a successful tech company. Founders first have to do the hard work and then hire someone. Jörg Wiemer, Co-Founder and CSO at TIS The Interviewer This interview was conducted by Jörn “Joe” Menninger, startup scout, founder, and host of Startuprad.io. Reach out to him: LinkedIn (https://www.linkedin.com/in/joernmenninger/) Twitter (https://twitter.com/joemenninger) Email (mailto:[email protected]?subject=Interview%20Feedback) Find all links and show notes here: https://www.startuprad.io/blog/meet-tis-the-worlds-leading-saas-b2b-outbound-payment-platform/ (https://www.startuprad.io/blog/meet-tis-the-worlds-leading-saas-b2b-outbound-payment-platform/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

Welcome to This Month in German Startups by Startuprad.io – in a news recording with Chris (from New York City) and me Joe (from Frankfurt am Main). Guys, it is October, it is getting colder outside and cozier inside, so we bring you another “Doppelpack” of our news recording! We bring you another bonus news episode as part of our news coverage of the German startup scene. We recorded this episode on October 25th, 2021, wrapping up October. This is a Bonus Episode following our special coverage of the unprecedented creation of unicorn startups in the German-speaking startup scene! Subscribe Here Find all options to subscribe to our newsletter, podcast, YouTube channel or listen to our internet radio station here: Link https://linktr.ee/startupradio (https://linktr.ee/startupradio) Want to be found by Business opportunities or contacted by new investors? Get scouted by us, when we have a matching mandate and enroll your startup in our database: https://forms.gle/DmPtBKJH7MMmJoYo8 (https://forms.gle/DmPtBKJH7MMmJoYo8) We don’t sell your data or spam you. We will even reach out to you before we include you in a scouting mandate. Find all the links to our sources and the show notes here: https://www.startuprad.io/blog/gsa-unicorn-tracker-october-2021/ (https://www.startuprad.io/blog/gsa-unicorn-tracker-october-2021/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

This Month in German Startups - October 2021 Welcome to This Month in German Startups in October 2021 by Startuprad.io - in a news recording with Chris (Back Home in New York) and me Joe, from Frankfurt am Main. We recorded this new episode on October 25th. Note that there is also another episode of our unicorn tracker, getting published along with this episode in order to keep the news brief. Today we have to announce that N26 reclaimed the title of Germany’s most valuable fintech (but not startup, that is still Celonis), Sono Motors is filing for an IPO in the US - ahead of even delivering their first car -, corona is leaving the first traces in the startup scene, fewer startups, but more funding for the surviving ones. Subscribe Here Find all options to subscribe to our newsletter, podcast, YouTube channel or listen to our internet radio station here: https://linktr.ee/startupradio (https://linktr.ee/startupradio) Want to be found by Business opportunities or contacted by new investors? Get scouted by us, when we have a matching mandate and enroll your startup in our database: https://forms.gle/DmPtBKJH7MMmJoYo8 (https://forms.gle/DmPtBKJH7MMmJoYo8) We don’t sell your data or spam you. We will even reach out to you before we include you in a scouting mandate. Find our extensive collection of links, sources and the whole show notes here: https://www.startuprad.io/blog/this-month-in-german-startups-october-2021/ (https://www.startuprad.io/blog/this-month-in-german-startups-october-2021/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

Welcome to This Month in German Startups by Startuprad.io – in a news recording with Chris (from New York City) and me Joe (from Frankfurt am Main).    Guys, it is fall and we are back from the summer break! We bring you another bonus news episode as part of our news coverage of the German startup scene. We recorded this episode on September 28th, 2021, wrapping up July, August, and September. This is a Bonus Episode following our special coverage from June!    Get scouted by us, when we have a matching mandate and enroll your startup in our database: https://forms.gle/DmPtBKJH7MMmJoYo8 (https://forms.gle/DmPtBKJH7MMmJoYo8) We don’t sell your data or spam you. We will even reach out to you before we include you in a scouting mandate. Find all links and show notes here: https://www.startuprad.io/blog/this-month-in-german-startups-september-2021-unicorn-tracker-bonus/ (https://www.startuprad.io/blog/this-month-in-german-startups-september-2021-unicorn-tracker-bonus/) Want to be found by Business opportunities or contacted by new investors? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)

This Month in German Startups - Summer Wrap-Up (July, August, September) 2021 Welcome to This Month in German Startups in September 2021 by Startuprad.io - in a news recording with Chris (Back Home in New York) and me Joe, from Frankfurt am Main.  We recorded this new episode on September 28th. Not that there is also another episode of our unicorn tracker, getting published along with this episode. Have a look. This will be a bit longer recording. Best get a snack and a drink right now.  The summer was hot here in Germany in terms of startups, but not so much in terms of temperature. Since we have the weather out of the way. Let's talk startups:      Want to be found by Business opportunities or contacted by new investors? Get scouted by us, when we have a matching mandate and enroll your startup in our database: https://forms.gle/DmPtBKJH7MMmJoYo8 (https://forms.gle/DmPtBKJH7MMmJoYo8) We don’t sell your data or spam you. We will even reach out to you before we include you in a scouting mandate.  Find all links and show notes here: https://www.startuprad.io/blog/this-month-in-german-startups-summer-wrap-up-july-august-september-2021/ (https://www.startuprad.io/blog/this-month-in-german-startups-summer-wrap-up-july-august-september-2021/) --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app (https://anchor.fm/app) --- Send in a voice message: https://anchor.fm/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support (https://anchor.fm/fintechgermany/support)