This is the audio track of a Google Hangout. You can find the video on our YouTube channel www.youtube.com/startupradio Welcome to the 2018 Fintech Review Germany by Startuprad.io. In the stream you will hear: Paolo Sironi – Crunchbase – LinkedIn – Website – Twitter – InstagramYassin Hankir - Crunchbase – LinkedIn – Website – TwitterJörn “Joe” Menninger Crunchbase – LinkedIn – Website – TwitterHere you can find the 2017 fintech review: https://www.startuprad.io/news/2017-fintech-review-germany-2018-outlook/ here is the 2016 interview with DWINS, the company behind Finanz Guru: https://www.startuprad.io/interviews/dwins-db-hackathon-winner/ Yassin talks about co-branding, for example, Finanz Guru (co-branded with Deutsche Bank, who owns 25% in the startup) https://finanzguru.de/ Paolo talks about regulations (referring to the last year). "The regulatory storm hitting 2018 PRIIPs – A regulation, forcing asset managers to disclose more of the content of their products in a more simplified way.GDPR – A regulation on the usage of customer dataMifid II – A regulation on the transparency of investments.PSD2 – A regulation, which forces banks to open up via API to other companies, including fintechs"  Joe refers to the dot-com company Pets.com https://en.wikipedia.org/wiki/Pets.com Cost of capital for banks https://www.investopedia.com/terms/c/costofcapital.asp Wealth Management https://www.investopedia.com/terms/w/wealthmanagement.asp Interview with CreditShelf, which is Germany’s only listed pure-play: https://www.startuprad.io/exclusive/do-you-know-creditshelf-it-is-germanys-only-listed-pure-play-fintech/ As Paolo said, we have been to the Christmas Market and celebrated 10 years of fintech in Frankfurt: https://www.instagram.com/p/BrVqaH4HsXl/ Below you will find all the news we have been discussing, touching fintech in 2018, as well as a transcript.   “It will be really tough to bring Crypto to the masses” Yassin Hankir – at Startuprad.io’s 2018 fintech review “When central banks use the technology behind Crypto to transform fiat money, that will be truly revolutionary” Paolo Siroin – at Startuprad.io’s 2018 fintech review DecemberPan-European Leader: Moneyfarm acquires #Frankfurt-based #roboadvisor vaamo to accelerate growth https://buff.ly/2AaeANC #Germany #startup #fintech #investment #investments #startups #tech #frmstartupscene #rheinmainrocks Study of Comdirect shows, that #Berlin, #Munich and #Frankfurt are the leading #fintech hubs in Germany | heise online http://ow.ly/12AG30mXhDh Keep in mind all the international fintechs active in Frankfurt, who want to work with German banks. Also notice, that there is only an access to international capital markets in Frankfurt. Serious financial situation at Germany’s formerly most valuable #fintech, #Hamburg-based Kreditech. In the last financing round the valuation went from 230 mn Euros down to the 14 mn Euros #VentureCapital just invested reports Gründerszene http://ow.ly/x9wt30mWhnb #Valuation #Berlin based #fintech RatePay gets 83 mn Euro #VentureCapital as #VentureDebt from NIBC Bank https://buff.ly/2AyGZwR #Berlin #startup #startups #payments #Berlin based #fintech RatePay gets 83 mn Euro #VentureCapital as #VentureDebt from NIBC Bank https://buff.ly/2AyGZwR #Berlin #startup #startups #payments IPO: Deutsche Familienversicherung a direct insurance company (think online), which sees itself as an #insurtech just sucessfully IPOed in #Frankfurt, raising more than 50 mn Euros http://ow.ly/CKSp30mTbOf #Fintech #Insurtech #Startup #Startups #IPO #VentureCapital #RheinMainRocks The Most Active Investors In Banking Automation - CB Insights Research http://ow.ly/RgRT30mVmZC #CustomerService #chatbot #bots #CRM #fintech #automation #startup #startups #banking #processautomation #processing #VentureCapital   NovemberEuropean early stage technology investment increases four-fold to 3.6 b... --- Send in a voice message: https://anchor.fm/startupradio/message Support this podcast: https://anchor.fm/startupradio/support