Find the video and more content here: https://www.startuprad.io/blog/2019-fintech-review-germany-talkshow-by-startuprad-io-video/   The traditionThis is a Startuprad.io tradition. Every year close to Christmas Joe gets together with smart people from the German fintech scene and talks about what was going on. Usually, the discussion drifts fast in a talk show and does not stick to the usual news format. None the less it is very informative and there are great ideas for fintech entrepreneurs and investors here. Trust is repeated positive experience – Frank Schwab during Startuprad.io’s 2019 Fintech Review  This episode was made possible by Hessen Trade and Invest, learn more at in-hessen.de">www.invest-in-hessen.de Find the video and more content here: https://www.startuprad.io/blog/2019-fintech-review-germany-talkshow-by-startuprad-io-video/  The traditionThis is a Startuprad.io tradition. Every year close to Christmas Joe gets together with smart people from the German fintech scene and talks about what was going on. Usually, the discussion drifts fast in a talk show and does not stick to the usual news format. None the less it is very informative and there are great ideas for fintech entrepreneurs and investors here. Trust is repeated positive experience – Frank Schwab during Startuprad.io’s 2019 Fintech Review  This episode was made possible by Hessen Trade and Invest, learn more at in-hessen.de">www.invest-in-hessen.de To digitize the relationship with clients in banking, that will be the unicorn – Paolo Sironi during Startuprad.io’s 2019 Fintech Review Our Guests(in alphabetic order) Mario Hachemer, CTO Fastbill (https://www.linkedin.com/in/mahachemer/) Luka Ivicevic, Co-Founder / Chief of Staff at Penta (https://www.linkedin.com/in/luka-ivicevic/) Frank Schwab, Co-Founder Fintech Forum (https://www.linkedin.com/in/frankschwab/) Paolo Sironi , Author and Thought Leader IBM (https://www.linkedin.com/in/thepsironi/) Host: Jörn “Joe” Menninger, Founder and Host Startuprad.io joe@startuprad.io / Twitter  / LinkedIn / Video Interview (2018) To succeed in Fintech you need to digitize the client relationship – Paolo Sironi during Startuprad.io’s 2019 Fintech Review Further ReadingDuring the discussion we are touching: Challenger Bank / Neo Bank https://en.wikipedia.org/wiki/Challenger_bank Share of Wallet of-wallet.asp">https://www.investopedia.com/terms/s/share-of-wallet.asp Tiktok https://www.youtube.com/watch?v=mQEGJMmqBTw Mortgage: https://www.investopedia.com/terms/m/mortgage.asp related: Mortgage market shares in Germany. Statista has only numbers for 2015, but online banks had a 40% market share: https://de.statista.com/statistik/daten/studie/661264/umfrage/entwicklung-der-marktanteile-der-vertriebskanaele-in-der-deutschen-baufinanzierung/ Goldman Sachs’ Marcus: https://www.marcus.com/us/en Related: is-goldman-sachs-investing-in-marcus.aspx">https://www.fool.com/investing/2019/12/09/why-is-goldman-sachs-investing-in-marcus.aspx Having a good user experience is ok, but it will not lead to a transformation people will do banking – Paolo Sironi during Startuprad.io’s 2019 Fintech Review   https://youtu.be/fFxCiGsnD48    Fintechs succeed because they are not overvaluing the trust – Mario Hachemer during Startuprad.io’s 2019 Fintech Review   I think in 2020 we will see fintechs and neobanks opening up branches – Luka Ivicevic during Startuprad.io’s 2019 Fintech Review   Recommended Holiday Readings (Affiliated Links)The Fire Starter Sessions by Danielle LaPortehttps://amzn.to/38Ug3rUThe 7 Habits of Highly Effective People by Stephen R. Covey https://amzn.to/2sGDy78   The 8th Habit: From Effectiveness to Greatness by Stephen R. Covey https://amzn.to/34DYbOCThe $100 Startup by Chris Guillebeauhttps://amzn.to/2PEoFetOutliers by Malcolm Gladwellhttps://amzn.to/36U41g6Grit – The Power of Passion and Perseverance by Angela Duckworthhttps://amzn.to/2SbuEcj     To digitize the relationship with clien... --- Send in a voice message: https://anchor.fm/startupradio/message Support this podcast: https://anchor.fm/startupradio/support