The Ultimate Fintech Guide: Germany, Austria, and Switzerland 2023 Review

Executive Summary
As we step into the holiday season, we at Startuprad.io are excited to bring you exclusive insights from our recent Fintech Review 2023 for Germany, Austria, and Switzerland. Our latest episode featured prominent voices in the Fintech industry, offering valuable perspectives on the current landscape and the Fintech Outlook 2024. We talk all things digital finance, banking, and capital markets. Tune in to learn more.Show more

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Fintech Review
Ever since Joe ventured into podcasting, Fintech has ignited tremendous interest. In 2014, he initiated the annual Fintech reviews, initially in German. For several years, Startuprad.io has proudly presented this review as the crowning piece of each year. Lately, there's been a request to shift the publication from December 25th to an earlier date, ensuring you can tune in during your Christmas travels. We're thrilled to accommodate this request, especially for our German investors eager to delve into the thriving Fintech scenes of Hamburg, Berlin, and Munich, along with the broader spectrum of German startups.

The Guests 2023
Here are some of the highlights from the episode:
- Kimmo Soramäki, CEO of FNA.FI, shares positive news for the upcoming year and discusses the optimization of liquidity for banks and businesses, as well as the challenges posed by the rise in digital payment fraud.
- Paolo Sironi, an esteemed author and thought leader, delves into the rise of generative AI and its impact on the banking relationship, emphasizing the importance of digitalization, personalization, and simplification in communication for understanding the value proposition.
- Luca Frignani, CEO of Exaloan, provides valuable insights into the challenges and successes in the Fintech lending space in 2023, while also predicting a convergence of Fintech lending, tokenization, and the digital asset ecosystem in 2024.
- Ivan Maryasin, CEO of Monite, reflects on the shift of startups towards becoming real businesses and the impact of high-interest rates on incumbents and startups.
We invite you to tune in to the episode for an in-depth discussion on Fintech, banking, InsurTech, embedded finance, and CBDC, offering you a comprehensive understanding of the industry's current state and future potential.

All Links and Show Notes
Here is our blog post: https://medium.com/startuprad-io/fintech-review-2023-predictions-and-outlook-for-germany-austria-and-switzerland-1f147e768a87

Topics Discussed in this Interview
In this interview, we are talking about: Kimmo Soramäki, Jörn "Joe" Menninger, Ivan Maryasin, Paolo Sironi, Luca Frignani, Embedded finance, Digital payments, Liquidity optimization, Rising interest rates, Fraud in digital payments, Generative AI, Open banking, Neobanks, Digital wallet usage, Fintech lending, Tokenization, Digital asset ecosystem, Risk management, Startups, Unit economics, Talent migration, Incumbents, Financial services shift, Banking relationship, Digital connectivity, Consumer priorities, Institutional investors, Economic proof, Berlin startups, Hamburg Startups, German Startups, Startup news, German Investors.

Chapters:
00:00:00 Fintech Review 2023 Germany, Austria and Switzerland by Startuprad.io
00:03:14 Paolo on the Rise of Conversational AI in Banking
00:09:02 Paolo on the Importance of Embedded Financing in Banking
00:12:29 Consumer Priorities: Security vs Instant Payment and Rewards
00:14:31 Digital Wallets and Embedded Finance in Banking Relationship
00:24:25 Prediction 1: Talent migration in the startup world
00:26:00 Prediction 2: Incumbents becoming stronger in fintech
00:27:39 Prediction 3: Challenges and evolution in embedded finance
00:29:44 Two main topics: liquidity and fraud in finance
00:31:53 Fraud becomes a concern with the increase in digital payments
00:35:48 Loss of Trust in Digital Payments

Berlin startups, Hamburg Startups, German Startups, Startup news, German Investors.