Podcasts about christmas joe

Merry Christmas! Jesus is alive and for that we celebrate!

Our 2024 Christmas Eve Service included a Topical Devotion from John 17:4-5 and musical celebration of Christ's birth (as well as a one-man production from Plays on Word Theater with Pastor Fred Kenney of Calvary Chapel Southport portraying “Christmas Joe”). This special service was led by Pastor Kevin Edwards of Calvary Chapel Clayton, NC on December 24, 2024. https://www.calvaryclayton.com

"The Most Wonderful Time of the Year" is not so wonderful for many. While family is a HUGE blessing, it can be tough. How do we connect with our families intentionally, improve our relationships, and maintain peace in our homes this Christmas? Today Joe Barlow shares what he has learned as the 10th or 14 kids and a father of 7 about keeping peace in the home. If you enjoyed this message, please review and share this message with someone who needs it. Connect with us at www.FamilyLife.cc If you would like to support our mission financially, here are some ways you can donate to our church: Tap the text to the right to give via our Church Center App. Venmo/Zelle: Send to info@familylife.cc Text any amount to 84321 Visit www.FamilyLife.cc/Giving for more options. Thank you for listening and thank you for your generosity.

The tape delay fan...hero or villain? A bad Sunday. The Zen Master has had it...The Jets have a new QB1....A case of mistaken identity at Home Depot & what other name are you? Succession goes on a field trip.

Agradece a este podcast tantas horas de entretenimiento y disfruta de episodios exclusivos como éste. ¡Apóyale en iVoox! ¡Bienvenidos a un nuevo episodio de El Calabozo Xtra! El spin off dedicado a los mecenas de El Calabozo del Reverendo Wilson trae la película de estas navidades: "Christimas Bloody Christmas", la última cinta del incombustible Joe Begos. Un slasher enérgico y salvaje repleto de compromiso con el culto protagonizado por un Santa Claus robótico con enfervorecidas ansias homicidas. Ya lo saben, análisis sin spoilers. Ho Ho Ho!Escucha este episodio completo y accede a todo el contenido exclusivo de El Calabozo del Reverendo Wilson. Descubre antes que nadie los nuevos episodios, y participa en la comunidad exclusiva de oyentes en https://go.ivoox.com/sq/376123

54. Fit for Christmas Joe watches a movie with two awful lead characters, "Fit for Christmas (2022)"! Audrey teaches fitness classes. Griffin works for a mega-ski resort company. They meet. They are very mean to each other. Then they fall in love. It's not fun! Listen to Joe detest characters to a degree that shocked even him in this, the fifty-fourth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Send Joe some romantic insults just like Griffin would @joemoc on Twitter and Instagram!

Sunday Morning Main-12-25-22

40. 12 Pups of Christmas Joe watches the movies about Christmas puppies that's not actually about puppies at all, 12 Pups of Christmas (2019)! This movie is a MESS. Joe tries to negotiate his way through this jungle of nonsense and he does not succeed! Why are there puppies? How many puppies are there? Why is the main character a canine therapist? All these questions and many more! Listen to Joe freeze as he loses him mind talking about a movie in this, the fortieth episode of JOE WATCHES 60 CHRISTMAS MOVEIS IN 60 DAYS! Tell Joe if you have a better dog name than Mr. G @joemoc on Twitter and Instagram!

22. Destined at Christmas Joe watches a movie filled with destiny! Oh wait, it's actually a bunch of coincidences! It's "Destined at Christmas" (2022)! Kim and Theo have a perfect night, but then get separated and can't find one another. How can these two lovebirds-to-be reconnect? Well, by doing the activities they each talked about for Christmas! It's all right! Listen to Joe deal with an awful mom (not his own) in this, the twenty-second episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe what your dream Christmas ornament is @joemoc on Twitter and Instagram!

23. Hats Off to Christmas Joe watches a movie that's kind of about a business struggling to survive, but it's actually about mother struggling to let herself love. How about that for a summation of "Hats Off to Christmas" (2013)! Mia has a job she loves and a son, well, she also loves! When Nick comes to town to fix one, he ends up fixing both! No, wait, hold on. He doesn't fix the song. He helps the son. And he kisses the mom? And helps save her job? Yeah, that's close enough. It's fine! The movie's fine! Listen to Joe talk about the messiness of pumpkin carving in this, the twenty-third episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe about your ideal Santa hat @joemoc on Twitter and Instagram!

21. Four Cousins and a Christmas Joe watches a film filled with lots of wild faces and moan-y songs, "Four Cousins and a Christmas" (2021)! This movie's not great, folks. The acting is all over the place. The directing is confusing. I don't know. Jennifer is sad that her grandmother has died and goes to her funeral. She's also mad at her grandfather and lies to people in order to get her way. She's the main character. Listen to Joe complain about music in this, the twenty-first episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Let Joe know which song you want to sing at his funeral @joemoc on Twitter and Instagram!

18. On the 12th Date of Christmas Joe watches a genuinely fun Christmas movie, "On the 12th Date of Christmas" (2020)! When Aiden and Jennifer are forced to team up on a big work project, you know exactly where this is going. That's okay, though, because it's pretty fun! That's all I ask! Enjoy the rare chance to hear Joe talk about a movie he liked on this, the eighteenth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe your favorite day of Christmas on Twitter and Instagram @joemoc!

We had a lot of feedback after Joe started to imitate Tina and what it's like being around her for the holidays! It starts out light hearted and fun and the night takes a turn at some point. So, if you're ready for some laughs before you dig into holiday decorations - give it a listen! Joe and Tina are live in the burbs of Chicago from 5A-10A Central time Monday through Friday on Star 105.5 and star105.com!

60. Joy for Christmas Joe watches the final Christmas movie of the run, Joy for Christmas (2021)! When Holly (another Holly!) has to help her family's business, she turns to former baseball player Jack Kane for assistance. She teaches him the secret of loving Christmas. He teachers her... nothing. Eventually, they smooch! Merry Christmas! Listen to Joe bring it to a close in this, the sixtieth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Say hi to Joe on Twitter and Instagram @joemoc! He's very tired!

46. A Song for Christmas Joe watches a movie that's not really about a song, A Song for Christmas (2017)! Adelaide Kay is a rising country superstar, but she'd rather hang out with people she doesn't know! Can she get away from the fakeness of the music industry and find something real?! You bet your sweet Christmas tree she can! Listen to Joe freeze to death in this, the forty-sixth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe about song you wrote @joemoc!

47. 12 Wishes of Christmas Joe watches an adventure in stupid decisions, 12 Wishes for Christmas (2011)! When Laura gets the chance to make TWELVE wishes for ANYTHING SHE COULD WANT, she blows it at every single turn. An astonishing waste of potential that will leave you sick to your stomach! Merry Christmas! Joe gets big mad at little things in this, the forty-seventh episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe the fifth wish you'd make @joemoc!

43. On Strike for Christmas Joe watches a movie about fighting the patriarchy while also getting your shopping done, On Strike for Christmas (2010)! Joy works hard every year to make sure Christmas is perfect. This year, however, she's been pushed too far! It's time to show the men in her life they need to help pull the load around here! It's time to strike! Merry Christmas! Listen to Joe speed through an easy watch in this, the forty-third episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe your strike demands @joemoc!

40. Snowbound for Christmas Joe watches the movie that's at its best when there's almost nobody in it, Snowbound for Christmas (2019)! When Rachel and her boss Adrian are snuck in a hotel with no other guests, they have the time of their lives! So does Joe! The rest of the movie is alright, too, I guess! Listen to Joe talk about favorite foods in this, the fortieth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe your favorite food @joemoc!

36. Signed, Sealed, Delivered for Christmas Joe watches the movie about postal workers solving problems that's also about God's love, Signed, Sealed, Delivered for Christmas (2014)! When a squad of special postal workers get a letter from a little girl who wrote to God, they decide to help her out. There's also an appearance by an angel. Merry Christmas! Listen to Joe talk deal with disappointment in this, the thirty-sixth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe if you've written to Santa or God @joemoc!

35. A Wedding for Christmas Joe watches the movie about a Christmas wedding, A Wedding for Christmas! (2018)" One lady wants to get married at Christmas so her sister, a wedding planner, is bullied into putting it together with only weeks to spare. Or maybe days! It's literally never said! And it's annoying! Merry Christmas! Listen to Joe unravel at the dumb inconsistencies that litter a generally inoffensive movie in this, the thirty-fifth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe it's going to be okay @joemoc.

13. A Prince for Christmas Joe watches the sweet and actually enjoyable royal romance, A Prince for Christmas (2015)! Prince Duncan needs to get out of an arranged marriage and finds his escape in the small American town of Aurora! That's where restaurant owner Emma lives! You know the rest! And that's okay! Joe has a nice time in this, the thirteenth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Joe is barely on Twitter @joemoc!

10. Miracle on Christmas Joe watches the sad, unexpected religious movie, Miracle on Christmas (2020). We're 1/6 of the way through and Joe has given up. Just like has given up once she found out her husband is dying. Just like that! Joe loses hope in this, the tenth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Find Joe on Twitter @joemoc and tell him about your day! Did it include a miracle?!

04. A Different Kind of Christmas Joe genuinely doesn't mind this throwback to the 90's, A Different Kind of Christmas (1996)! Santa Claus has come to town and he's staying! The kids love it, single mom Elizabeth hates it, and Joe doesn't mind it! What will you think?! Find out the secret of Santa in this, the fourth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe how'd you feel if someone left a used diaper in front your home @joemoc!

2. A Dog for Christmas Joe watches his second movie in a row with over a dozen characters and nary a one of them likable, A Dog for Christmas! Dave is an awful man, filled with rage and always looking to get away from his family. This movie is about his Christmas. And there's a boy trying to prove Santa exists by taunting death! Enjoy! Join Joe in learning about antiquated gender roles in this, the second episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Let Joe know whether you're a Man of the TV or a Woman of the kitchen on Twitter @joemoc!

59. Crazy for Christmas Joe watches the cotton candy-like Christmas flick, Crazy for Christmas (2005)! Shannon wants to spend Christmas Eve with her son, Trevor, but her boss says she's needed to drive a limo for a very rich, very weird guy! What will Shannon find out that will change her very life?! What a mystery! Listen to Joe talk about a movie that's basically fine on this, the fifty-ninth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Let Joe know who you'd like your limo driver to be on Twitter @joemoc!

53. Guess Who's Coming to Christmas Joe watches the rocker-learns-the-meaning-of-life film, Guess Who's Coming to Christmas (2013)! When Kelly wins a contest for any wish, she gets her former fave singer Dax to stay with her family for the week of Christmas! Can Dax learn the true meaning of Christmas and be swayed by her reverend father to go to church? Probably! Find out why Joe gets embarrassingly mad in this, the fifty-third episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe which rocker you wanna smooch on Twitter @joemoc!

46. A Bride for Christmas Joe watches fairly disagreeable "romance" A Bride for Christmas (2012)! Jessie has been engaged three times. She's been married zero times. It's a bad look. Aiden bets his friend he can get Jessie to agree to marry him by Christmas. That's a worse look. What do you think will happen?! Find out who Joe names as the worst character he's met in all of the movies so far in this, the forty-sixth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Let Joe know if you've ever won a car in a poker game on Twitter @joemoc!

40. The Spirit of Christmas Joe watches the generally fine ghost-smooching mystery The Spirit of Christmas (2015)! Daniel is a ghost! Kate is a non-ghost! They fall in love! They also try to solve the mystery of his murder! Joe gets very mad the rules of ghosts in this fairly inoffensive movie! That's how it is now! How exasperatedly angry does Joe get? Find out in this, the fortieth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Tell Joe your rules of being a ghost on Twitter @joemoc!

39. Home for Christmas Joe watches genuinely nice and enjoyable Home for Christmas (2014)! Beth loves her job at the movie theater and she loves her boyfriend Aiden. Unfortunately for her, she's about to lose them both! Other stuff happens! You know how movies work! Who does Joe find particularly vile and why is it Carl? Find out in this, the thirty-ninth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Let Joe know he did a good job on Twitter @joemoc!

26. A Nanny for Christmas Joe enjoys a flax seed shake (in a bowl) while watching A Nanny for Christmas (2010)! What do you do when you lose your job as ad executive and accidentally get hired as a nanny? Well, if you're Ally, you lie! You lie all the time! And you teach kids to lie! Welcome to A Nanny for Christmas! Get familiar with Danny Donner Chocolates in this, the twenty-sixth episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS! Don't forget to say hi to Joe on Twitter @joemoc! He (probably) won't spit!

@themedmillennials/ #themedgang --- Send in a voice message: https://anchor.fm/themedmillenials/message

Joe Watches 60 Christmas Movies in 60 Days01. Ghosting: The Spirit of Christmas Joe watches the 2019 movie Ghosting: The Spirit of Christmas! Jess is dead! She can't respond to Ben's texts! He thinks he left a bad impression during their date, but it's nothing compared to the impression left by the car that hit her. What are the rules of ghosts? How does time work? What's the deal with Kane with a K? All these questions asked (and not a one answered) in this premiere episode of JOE WATCHES 60 CHRISTMAS MOVIES IN 60 DAYS!

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 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 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 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: 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 RegulationPSD2Was Lukas forecast a spot on, or will it take more time? In an article published in Heise, the author argues that the biggest winners of PSD2 will be the large internet companies like Google, Facebook or Apple https://buff.ly/2Pg1ZkG Given the recent success of Apple Pay in Germany, he may not be too far off.Companies / Fintechs / Banks Established Credit Rating Bureau Schufa buys into the core of banking with FinAPI: (Jan) Established German credit scoring agency Schufa takes over munich-based fintech FinAPI. FinAPI allows to access current accounts http://ow.ly/P7RR30n4x1M MarketsMarket / GlobalSubjective point Joern: It feels like the blurring of fintech and banking continues. There are now cross mergers all over, admittedly more fintechs investments by banks than otherwise, but it keeps blurring. Do you think in 5 years one will still distinguish beyond the point regulated or not? Also: Fintech becomes really european, think expansion of N26 to UK or Klarna to Berlin. Fintech Trends: Five Insights For Now And The Future | Deloitte US https://buff.ly/34ckc6W Financial firms are jumping into fintech Potential blockchain benefits are growing Regulators are showing interest in fintech Implementation can lead to operational challenges The industry is realizing this is a marathon, not a sprint A look at the UK, since the system is more mature. Neobanks are currently looking like they are not winning writes Sifted - What does this indication mean for the German challengers? “NeoBanks / Challenger Banks Are they going to make it?” From Sifted.com -Traditional banks — Nationwide Building Society, HSBC and NatWest — still have the highest net switching gains -Contrary to media hype, people aren’t leaving Barclays for Monzo. Most are leaving to go to Nationwide and HSBC. Indeed, Nationwide saw more net gains than Monzo and Starling combined, showing the big banks have still got “it.” - Nonetheless, the two digital banks came in fourth and fifth respectively for net gains. To their credit, they’ve overtaken several big banks like Lloyds and RBS who are losing current account customers overall. - Monzo also trails just behind HSBC for net gains, and could well overtake it in the coming quarter - Metro Bank – the brick and mortar challenger bank that faced accounting issues earlier this year – did not provide their switching data" https://buff.ly/2RxZ5JF Related point from Frank Schwab: „The path towards profitability of NeoBanks / FinTech“ We haven‘t seen much yet ... In financial services the psychological play is very different [from ecommerce] – Paolo Sironi during Startuprad.io’s 2019 Fintech Review Global Ranking of #Fintech #Hubs is good for Germany https://buff.ly/2Ym7VeQ Global Positions: BerlinFrankfurtHamburgMunich Out of 238 cities. Not bad, but there is room for improvement. Deutsche Bank has asked, "will fiat currencies survive," in what it calls the "multi-trillion dollar (or bitcoin) question." "The forces that have held the current fiat system together now look fragile and they could unravel in the 2020s. If so, that will start to lead to a backlash against fiat money and demand for alternative currencies, such as gold or crypto could soar." Link opens PDF https://buff.ly/2Phpg4s?utm_source=-custom-by-source-0- Frank’s point of PayPal becoming a lender in the US PayPal and Square quietly grow small business lending using data as their edge over banks https://buff.ly/2qXNcyh Fintechs succeed because they are not overvaluing the trust – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Market / GermanyThere is a study by the online bank comdirect, which is a subsidiary of Commerzbank, headquartered close to Hamburg.Almost 900 Startups, of which are 202 proptechs, 172 Financing startups, 114 insurtechs, 96 investments, 76 Blockchain, 72 accounting and 166 others (ID, API/Banking, Accounting, Gastro, Regtech, …). Payments are losing considerably in startup count and popularity 124 of those fintechs have been founded in 2018 25% fintech sector growth since 2017 Market / Germany / Local HubsGermany leads the way as banks might embrace crypto - NEDEROB https://buff.ly/380B6Z9 Next year Germany is very likely to accept a law that will make it possible for institutional banks to offer crypto services, including bitcoin custodial wallets. Handelsblatt reported the news earlier this week. This would make Germany the first major European country to embrace cryptocurrencies at an institutional level, and likely more countries will follow. Because the Germans have been the leading force behind the European economy for decades. I think in 2020 we will see fintechs and neobanks opening up branches – Luka Ivicevic during Startuprad.io’s 2019 Fintech Review Hamburg83 Fintechs (comdirect) Related: WELT writes about the deterioration of the city of Hamburg, as a financial hub within Germany and Europe https://buff.ly/2NYGJhn Banks and insurance companies are shedding headcount Munich105 Fintechs (comdirect) I think in 2020 we will see much more shakeout [of fintechs in Germany]. Many runways running out – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Frankfurt106 Fintechs (comdirect) Deutsche Bank started Fyrst. Anyone heard anything? Berlin295 Fintechs (comdirect) Other cities / hubs (according to comdirect) Cologne 35 Düsseldorf 20 Stuttgart 12 Leipzig 7 Dresden 6 Dortmund 6 Essen 6 Bremen 6 295 Fintechs (comdirect) Financing What did the underperforming IPOs (WeWork, Uber, Slack) do to the exit route for fintechs? E.g. The Spectacular Rise and Fall of #WeWork by Bloomberg on YouTube https://buff.ly/36HaxYt #US venture capitalists: here are 10 tips if you want to make it in Europe | SiftedThe first piece of advice is to get out of #London https://t.co/76JMPQQ220 #VentureCapital #VC #Europe 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 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 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: 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 RegulationPSD2Was Lukas forecast a spot on, or will it take more time? In an article published in Heise, the author argues that the biggest winners of PSD2 will be the large internet companies like Google, Facebook or Apple https://buff.ly/2Pg1ZkG Given the recent success of Apple Pay in Germany, he may not be too far off.Companies / Fintechs / Banks Established Credit Rating Bureau Schufa buys into the core of banking with FinAPI: (Jan) Established German credit scoring agency Schufa takes over munich-based fintech FinAPI. FinAPI allows to access current accounts http://ow.ly/P7RR30n4x1M MarketsMarket / GlobalSubjective point Joern: It feels like the blurring of fintech and banking continues. There are now cross mergers all over, admittedly more fintechs investments by banks than otherwise, but it keeps blurring. Do you think in 5 years one will still distinguish beyond the point regulated or not? Also: Fintech becomes really european, think expansion of N26 to UK or Klarna to Berlin. Fintech Trends: Five Insights For Now And The Future | Deloitte US https://buff.ly/34ckc6W Financial firms are jumping into fintech Potential blockchain benefits are growing Regulators are showing interest in fintech Implementation can lead to operational challenges The industry is realizing this is a marathon, not a sprint A look at the UK, since the system is more mature. Neobanks are currently looking like they are not winning writes Sifted - What does this indication mean for the German challengers? “NeoBanks / Challenger Banks Are they going to make it?” From Sifted.com -Traditional banks — Nationwide Building Society, HSBC and NatWest — still have the highest net switching gains -Contrary to media hype, people aren’t leaving Barclays for Monzo. Most are leaving to go to Nationwide and HSBC. Indeed, Nationwide saw more net gains than Monzo and Starling combined, showing the big banks have still got “it.” - Nonetheless, the two digital banks came in fourth and fifth respectively for net gains. To their credit, they’ve overtaken several big banks like Lloyds and RBS who are losing current account customers overall. - Monzo also trails just behind HSBC for net gains, and could well overtake it in the coming quarter - Metro Bank – the brick and mortar challenger bank that faced accounting issues earlier this year – did not provide their switching data" https://buff.ly/2RxZ5JF Related point from Frank Schwab: „The path towards profitability of NeoBanks / FinTech“ We haven‘t seen much yet ... In financial services the psychological play is very different [from ecommerce] – Paolo Sironi during Startuprad.io’s 2019 Fintech Review Global Ranking of #Fintech #Hubs is good for Germany https://buff.ly/2Ym7VeQ Global Positions: BerlinFrankfurtHamburgMunich Out of 238 cities. Not bad, but there is room for improvement. Deutsche Bank has asked, "will fiat currencies survive," in what it calls the "multi-trillion dollar (or bitcoin) question." "The forces that have held the current fiat system together now look fragile and they could unravel in the 2020s. If so, that will start to lead to a backlash against fiat money and demand for alternative currencies, such as gold or crypto could soar." Link opens PDF https://buff.ly/2Phpg4s?utm_source=-custom-by-source-0- Frank’s point of PayPal becoming a lender in the US PayPal and Square quietly grow small business lending using data as their edge over banks https://buff.ly/2qXNcyh Fintechs succeed because they are not overvaluing the trust – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Market / GermanyThere is a study by the online bank comdirect, which is a subsidiary of Commerzbank, headquartered close to Hamburg.Almost 900 Startups, of which are 202 proptechs, 172 Financing startups, 114 insurtechs, 96 investments, 76 Blockchain, 72 accounting and 166 others (ID, API/Banking, Accounting, Gastro, Regtech, …). Payments are losing considerably in startup count and popularity 124 of those fintechs have been founded in 2018 25% fintech sector growth since 2017 Market / Germany / Local HubsGermany leads the way as banks might embrace crypto - NEDEROB https://buff.ly/380B6Z9 Next year Germany is very likely to accept a law that will make it possible for institutional banks to offer crypto services, including bitcoin custodial wallets. Handelsblatt reported the news earlier this week. This would make Germany the first major European country to embrace cryptocurrencies at an institutional level, and likely more countries will follow. Because the Germans have been the leading force behind the European economy for decades. I think in 2020 we will see fintechs and neobanks opening up branches – Luka Ivicevic during Startuprad.io’s 2019 Fintech Review Hamburg83 Fintechs (comdirect) Related: WELT writes about the deterioration of the city of Hamburg, as a financial hub within Germany and Europe https://buff.ly/2NYGJhn Banks and insurance companies are shedding headcount Munich105 Fintechs (comdirect) I think in 2020 we will see much more shakeout [of fintechs in Germany]. Many runways running out – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Frankfurt106 Fintechs (comdirect) Deutsche Bank started Fyrst. Anyone heard anything? Berlin295 Fintechs (comdirect) Other cities / hubs (according to comdirect) Cologne 35 Düsseldorf 20 Stuttgart 12 Leipzig 7 Dresden 6 Dortmund 6 Essen 6 Bremen 6 295 Fintechs (comdirect) Financing What did the underperforming IPOs (WeWork, Uber, Slack) do to the exit route for fintechs? E.g. The Spectacular Rise and Fall of #WeWork by Bloomberg on YouTube https://buff.ly/36HaxYt #US venture capitalists: here are 10 tips if you want to make it in Europe | SiftedThe first piece of advice is to get out of #London https://t.co/76JMPQQ220 #VentureCapital #VC #Europe 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

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 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 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 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: 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 clients in banking, that will be the unicorn – Paolo Sironi during Startuprad.io’s 2019 Fintech Review Folge direkt herunterladen

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 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 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 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: 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 RegulationPSD2Was Lukas forecast a spot on, or will it take more time? In an article published in Heise, the author argues that the biggest winners of PSD2 will be the large internet companies like Google, Facebook or Apple https://buff.ly/2Pg1ZkG Given the recent success of Apple Pay in Germany, he may not be too far off.Companies / Fintechs / Banks Established Credit Rating Bureau Schufa buys into the core of banking with FinAPI: (Jan) Established German credit scoring agency Schufa takes over munich-based fintech FinAPI. FinAPI allows to access current accounts http://ow.ly/P7RR30n4x1M MarketsMarket / GlobalSubjective point Joern: It feels like the blurring of fintech and banking continues. There are now cross mergers all over, admittedly more fintechs investments by banks than otherwise, but it keeps blurring. Do you think in 5 years one will still distinguish beyond the point regulated or not? Also: Fintech becomes really european, think expansion of N26 to UK or Klarna to Berlin. Fintech Trends: Five Insights For Now And The Future | Deloitte US https://buff.ly/34ckc6W Financial firms are jumping into fintech Potential blockchain benefits are growing Regulators are showing interest in fintech Implementation can lead to operational challenges The industry is realizing this is a marathon, not a sprint A look at the UK, since the system is more mature. Neobanks are currently looking like they are not winning writes Sifted - What does this indication mean for the German challengers? “NeoBanks / Challenger Banks Are they going to make it?” From Sifted.com -Traditional banks — Nationwide Building Society, HSBC and NatWest — still have the highest net switching gains -Contrary to media hype, people aren’t leaving Barclays for Monzo. Most are leaving to go to Nationwide and HSBC. Indeed, Nationwide saw more net gains than Monzo and Starling combined, showing the big banks have still got “it.” - Nonetheless, the two digital banks came in fourth and fifth respectively for net gains. To their credit, they’ve overtaken several big banks like Lloyds and RBS who are losing current account customers overall. - Monzo also trails just behind HSBC for net gains, and could well overtake it in the coming quarter - Metro Bank – the brick and mortar challenger bank that faced accounting issues earlier this year – did not provide their switching data" https://buff.ly/2RxZ5JF Related point from Frank Schwab: „The path towards profitability of NeoBanks / FinTech“ We haven‘t seen much yet ... In financial services the psychological play is very different [from ecommerce] – Paolo Sironi during Startuprad.io’s 2019 Fintech Review Global Ranking of #Fintech #Hubs is good for Germany https://buff.ly/2Ym7VeQ Global Positions: BerlinFrankfurtHamburgMunich Out of 238 cities. Not bad, but there is room for improvement. Deutsche Bank has asked, "will fiat currencies survive," in what it calls the "multi-trillion dollar (or bitcoin) question." "The forces that have held the current fiat system together now look fragile and they could unravel in the 2020s. If so, that will start to lead to a backlash against fiat money and demand for alternative currencies, such as gold or crypto could soar." Link opens PDF https://buff.ly/2Phpg4s?utm_source=-custom-by-source-0- Frank’s point of PayPal becoming a lender in the US PayPal and Square quietly grow small business lending using data as their edge over banks https://buff.ly/2qXNcyh Fintechs succeed because they are not overvaluing the trust – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Market / GermanyThere is a study by the online bank comdirect, which is a subsidiary of Commerzbank, headquartered close to Hamburg.Almost 900 Startups, of which are 202 proptechs, 172 Financing startups, 114 insurtechs, 96 investments, 76 Blockchain, 72 accounting and 166 others (ID, API/Banking, Accounting, Gastro, Regtech, …). Payments are losing considerably in startup count and popularity 124 of those fintechs have been founded in 2018 25% fintech sector growth since 2017 Market / Germany / Local HubsGermany leads the way as banks might embrace crypto - NEDEROB https://buff.ly/380B6Z9 Next year Germany is very likely to accept a law that will make it possible for institutional banks to offer crypto services, including bitcoin custodial wallets. Handelsblatt reported the news earlier this week. This would make Germany the first major European country to embrace cryptocurrencies at an institutional level, and likely more countries will follow. Because the Germans have been the leading force behind the European economy for decades. I think in 2020 we will see fintechs and neobanks opening up branches – Luka Ivicevic during Startuprad.io’s 2019 Fintech Review Hamburg83 Fintechs (comdirect) Related: WELT writes about the deterioration of the city of Hamburg, as a financial hub within Germany and Europe https://buff.ly/2NYGJhn Banks and insurance companies are shedding headcount Munich105 Fintechs (comdirect) I think in 2020 we will see much more shakeout [of fintechs in Germany]. Many runways running out – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Frankfurt106 Fintechs (comdirect) Deutsche Bank started Fyrst. Anyone heard anything? Berlin295 Fintechs (comdirect) Other cities / hubs (according to comdirect) Cologne 35 Düsseldorf 20 Stuttgart 12 Leipzig 7 Dresden 6 Dortmund 6 Essen 6 Bremen 6 295 Fintechs (comdirect) Financing What did the underperforming IPOs (WeWork, Uber, Slack) do to the exit route for fintechs? E.g. The Spectacular Rise and Fall of #WeWork by Bloomberg on YouTube https://buff.ly/36HaxYt #US venture capitalists: here are 10 tips if you want to make it in Europe | SiftedThe first piece of advice is to get out of #London https://t.co/76JMPQQ220 #VentureCapital #VC #Europe 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 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 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: 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 RegulationPSD2Was Lukas forecast a spot on, or will it take more time? In an article published in Heise, the author argues that the biggest winners of PSD2 will be the large internet companies like Google, Facebook or Apple https://buff.ly/2Pg1ZkG Given the recent success of Apple Pay in Germany, he may not be too far off.Companies / Fintechs / Banks Established Credit Rating Bureau Schufa buys into the core of banking with FinAPI: (Jan) Established German credit scoring agency Schufa takes over munich-based fintech FinAPI. FinAPI allows to access current accounts http://ow.ly/P7RR30n4x1M MarketsMarket / GlobalSubjective point Joern: It feels like the blurring of fintech and banking continues. There are now cross mergers all over, admittedly more fintechs investments by banks than otherwise, but it keeps blurring. Do you think in 5 years one will still distinguish beyond the point regulated or not? Also: Fintech becomes really european, think expansion of N26 to UK or Klarna to Berlin. Fintech Trends: Five Insights For Now And The Future | Deloitte US https://buff.ly/34ckc6W Financial firms are jumping into fintech Potential blockchain benefits are growing Regulators are showing interest in fintech Implementation can lead to operational challenges The industry is realizing this is a marathon, not a sprint A look at the UK, since the system is more mature. Neobanks are currently looking like they are not winning writes Sifted - What does this indication mean for the German challengers? “NeoBanks / Challenger Banks Are they going to make it?” From Sifted.com -Traditional banks — Nationwide Building Society, HSBC and NatWest — still have the highest net switching gains -Contrary to media hype, people aren’t leaving Barclays for Monzo. Most are leaving to go to Nationwide and HSBC. Indeed, Nationwide saw more net gains than Monzo and Starling combined, showing the big banks have still got “it.” - Nonetheless, the two digital banks came in fourth and fifth respectively for net gains. To their credit, they’ve overtaken several big banks like Lloyds and RBS who are losing current account customers overall. - Monzo also trails just behind HSBC for net gains, and could well overtake it in the coming quarter - Metro Bank – the brick and mortar challenger bank that faced accounting issues earlier this year – did not provide their switching data" https://buff.ly/2RxZ5JF Related point from Frank Schwab: „The path towards profitability of NeoBanks / FinTech“ We haven‘t seen much yet ... In financial services the psychological play is very different [from ecommerce] – Paolo Sironi during Startuprad.io’s 2019 Fintech Review Global Ranking of #Fintech #Hubs is good for Germany https://buff.ly/2Ym7VeQ Global Positions: BerlinFrankfurtHamburgMunich Out of 238 cities. Not bad, but there is room for improvement. Deutsche Bank has asked, "will fiat currencies survive," in what it calls the "multi-trillion dollar (or bitcoin) question." "The forces that have held the current fiat system together now look fragile and they could unravel in the 2020s. If so, that will start to lead to a backlash against fiat money and demand for alternative currencies, such as gold or crypto could soar." Link opens PDF https://buff.ly/2Phpg4s?utm_source=-custom-by-source-0- Frank’s point of PayPal becoming a lender in the US PayPal and Square quietly grow small business lending using data as their edge over banks https://buff.ly/2qXNcyh Fintechs succeed because they are not overvaluing the trust – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Market / GermanyThere is a study by the online bank comdirect, which is a subsidiary of Commerzbank, headquartered close to Hamburg.Almost 900 Startups, of which are 202 proptechs, 172 Financing startups, 114 insurtechs, 96 investments, 76 Blockchain, 72 accounting and 166 others (ID, API/Banking, Accounting, Gastro, Regtech, …). Payments are losing considerably in startup count and popularity 124 of those fintechs have been founded in 2018 25% fintech sector growth since 2017 Market / Germany / Local HubsGermany leads the way as banks might embrace crypto - NEDEROB https://buff.ly/380B6Z9 Next year Germany is very likely to accept a law that will make it possible for institutional banks to offer crypto services, including bitcoin custodial wallets. Handelsblatt reported the news earlier this week. This would make Germany the first major European country to embrace cryptocurrencies at an institutional level, and likely more countries will follow. Because the Germans have been the leading force behind the European economy for decades. I think in 2020 we will see fintechs and neobanks opening up branches – Luka Ivicevic during Startuprad.io’s 2019 Fintech Review Hamburg83 Fintechs (comdirect) Related: WELT writes about the deterioration of the city of Hamburg, as a financial hub within Germany and Europe https://buff.ly/2NYGJhn Banks and insurance companies are shedding headcount Munich105 Fintechs (comdirect) I think in 2020 we will see much more shakeout [of fintechs in Germany]. Many runways running out – Mario Hachemer during Startuprad.io’s 2019 Fintech Review Frankfurt106 Fintechs (comdirect) Deutsche Bank started Fyrst. Anyone heard anything? Berlin295 Fintechs (comdirect) Other cities / hubs (according to comdirect) Cologne 35 Düsseldorf 20 Stuttgart 12 Leipzig 7 Dresden 6 Dortmund 6 Essen 6 Bremen 6 295 Fintechs (comdirect) Financing What did the underperforming IPOs (WeWork, Uber, Slack) do to the exit route for fintechs? E.g. The Spectacular Rise and Fall of #WeWork by Bloomberg on YouTube https://buff.ly/36HaxYt #US venture capitalists: here are 10 tips if you want to make it in Europe | SiftedThe first piece of advice is to get out of #London https://t.co/76JMPQQ220 #VentureCapital #VC #Europe 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

Find 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 www.invest-in-hessen.deFind 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 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 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: 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

Sorry I'm coughing during this... and my camera dies half way into it. I didn't plan any of this happening the way it did but I still wanted to do a Christmas podcast. Merry Christmas friends and family. Thank you for being part of this with me. Stay tuned for more to come. Please rate, review, subscribe, and share. I still only have one 3 star review... need help making that better. Only you can prevent 3 star'edness. Does that make sense? Oh well.... Merry Christmas!! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/joshua-peek/message Support this podcast: https://anchor.fm/joshua-peek/support

In this message, Pastor Joe Sulit tells the story of Joseph, and explains why we are called to obey God's call, even if we don't always understand why. For more podcasts and for more information on Every Nation Canberra, please visit encanberra.org.

Luke 2:22-35

This week the guys talk about Devin's review of Planet Hulk. Then Dr. T gives us a hot dose of East of West Volume 3. The show wraps up with a group Top 5 Christmas movies (stolen with love from Dark Angels and Pretty Freaks #39) and Devin gives his Top 5 Anthropomorphic characters with a rebuttal from Jason.

6 AM - 1 - Merry (early) Christmas!; Joe not here!; Openings. 2 - COY (Clips of the Year); Target hacked. 3 - Marshall's News. 4 - More COY; Joe Getty calls in; Top TV shows of 2013.