Podcasts about fastbill

“I built the tech behind it to make it work, and, we got quite some revenue through through that, and, yeah, it was one of my first businesses that I really incorporated where it really went to the notary, Form the legal entity and all these things.” — Mario HachemerExecutive SummaryIn this episode of Startuprad.io, we are joined by the newest co-host, Mario Hachemer, who brings a wealth of experience in technology and entrepreneurship to the table. Mario's journey has been nothing short of fascinating, from the rise and fall of his subscription box business to his role as CTO of FastBill and later for unicorn FreshBooks in Germany, eventually leading to his exploration of the world of AI as a freelance consultant and mentor. Mario's insights into deep tech and AI's impact on businesses and society are both thought-provoking and enlightening. Moreover, the hosts share a passion for science fiction and discuss the works of literary giants such as Ian Banks and Terry Pratchett. They also delve into Mario's love for spicy food and his experiences in various countries. Join us as we delve deep into the world of tech, AI, entrepreneurship, and a touch of spicy cuisine with our new co-host, Mario Hachemer. Like What You Hear?You can tip us here: https://www.buymeacoffee.com/Startuprad.io The Entrepreneurial Spirit: “I had trouble finding like-minded people. I studied my 1st university was in Koblenz, and it just there wasn't that much of an entrepreneurial spirit.” — Mario HachemerFollow Us on Social Media!If you are listening to our content for the 2nd time please consider following us on social media. https://linktr.ee/startupradio The New Co-HostMario Hachemer, (https://www.linkedin.com/in/mahachemer/) the co-host of Startuprad.io's Deep Tech Track, was involved in the successful startup Fast Bill. During his time with Fast Bill, the company raised significant venture capital, allowing them to develop innovative technology stacks and rapidly expand their operations. The company's success eventually led to its acquisition by FreshBooks, a major player in the accounting and invoicing software industry. Fast Bill's ability to attract venture capital and subsequent successful integration into FreshBooks showcase their achievements and position them as a standout player in the technology and startup landscape. Fast Bill set itself apart from its competition through its ability to not only raise venture capital but also develop and implement groundbreaking technology stacks. Learn more about Mario or reach out to him:https://twitter.com/MarioHachemer https://www.meetup.com/de-DE/grunderstammtisch-founders-table-frankfurtrheinmain/ https://www.linkedin.com/in/mahachemer/ mario@startuprad.io All Links and Show Notes Here is our blog post: https://medium.com/startuprad-io/from-unicorn-cto-to-co-hosting-startuprad-ios-deep-tech-track-startuprad-io-e-402-073c63686fc4 Mentioned in this episode: Startupraven.com Startupraven.com The best way to identify...

Christian Häfner hat in seinem Berufsleben schon eine ganze Menge erlebt. Seine Karriere startete er im Otto-Konzern. Danach war er Mitgründer der Buchhaltungssoftware Fastbill. Einige Jahre später ging er mit seiner Frau auf eine ausgedehnte Weltreise und arbeitete von unterwegs. Nach seinem Ausstieg bei Fastbill konzentrierte er sich ganz auf sein Kaffeeunternehmen Happy Coffee und mehrere Blogs, bevor er wieder sesshaft wurde. Seine ganze Geschichte erzählt Christian bei “Mehr Mut zum Glück”.Den Titel für diese Podcast-Episode hatte ich schon während des Interviews. Denn die Aussage, dass sich der eigene Anspruch an das Leben ungefähr alle fünf Jahre ändert, kann ich bestätigen.Es ändern sich die Voraussetzungen, man möchte sich selbst verändern oder was ganz anderes ausprobieren. Erst Anfang des Jahres gab es bei mir wieder so eine einschneidende Veränderung.Seit anderthalb Monaten arbeite ich nun wieder in einer Festanstellung, weil ich festgestellt habe, dass Dauer Home Office für mich persönlich einfach nichts ist. Mehr darüber erzähle ich auch in meiner “Depotrückblick”-Folge im Finanzrocker-Podcast.Bei meinem heutigen Gast waren die Änderungen im Leben aber um einiges größer. Damit heiße ich dich herzlich Willkommen zu einer neuen Folge von “Mehr Mut zum Glück”. Mein Name ist Daniel Korth. Ich habe heute Christian Häfner zu Gast.Christian startete seine Karriere beim Otto-Konzern, stellte aber fest, dass das Angestelltenleben nichts für ihn ist. Er gründete anschließend mit einem Kollegen eine erfolgreiche Buchhaltungssoftware und startete unterschiedliche Blogs. Nach den schon angesprochenen fünf Jahren brauchte Christian aber wieder eine Veränderung.So ging er mit seiner Frau auf Reisen und arbeitete von unterwegs. In der Zwischenzeit gründete er mit ihr zusammen das Kaffeeunternehmen Happy Coffee, das die beiden auch heute noch erfolgreich betreiben. Heute ist Christian wieder sesshaft geworden und lebt mit seiner Frau in Flensburg.In 65 Minuten spreche ich mit Christian über seinen spannenden Lebenslauf, warum er in seinem Leben immer wieder Änderungen vorgenommen hat, was guten Kaffee ausmacht und warum Zeit für ihn wertvoller ist als Geld.ShownotesMehr über Happy Coffee erfahrenZum Blog "Let's see what works"Zum Reiseblog "Meerdavon"Weitere spannende Interviews“Das Leben wird um so leichter, je kleiner die Erwartungen sind” – Interview mit Buchautor Andreas Brendt“Glück ist für mich gleichbedeutend mit Freiheit” – Interview mit Sandra Grosskinsky“Es lohnt sich mutig zu sein und aus der eigenen Komfortzone auszubrechen!” – Interview mit Robert Kösch Hosted on Acast. See acast.com/privacy for more information.

Kann man Buchhaltung eigentlich automatisieren? René Maudrich ist einer der Gründer und Geschäftsführer von Fastbill, einer Buchhaltungssoftware für Selbstständige und Freelancer. Seit 2011 arbeitet er mit seinem heute 35-köpfigen Team an der Digitalisierung und Automatisierung von Buchhaltungsprozessen. Vor kurzem hat Fastbill die Blogpost-Reihe “Awesome Automation” gestartet, an der auch wir als VisualMakers fleißig mitgestalten. Warum Automation ein so wichtiges Thema für Fastbill ist, welche Rolle No-Code in Renés Unternehmen spielt und welche No-Code Tools benutzt werden das erfahrt ihr in unserer neuen Podcast Folge. Falls ihr selbst lernen möchtet, mit Make Prozesse zu automatisieren, schaut euch doch mal unsere Make Masterclass an.

Toronto-based fintech unicorn FreshBooks made with Fastbill its first acquisition in Europe.

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/). We also run a dedicated sub-podcast with all interviews and news in cooperation with them. Find it all here: 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/) 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/). 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 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/) 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/), 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/ --- Send in a voice message: https://anchor.fm/techstartupsgermany/message

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/). We also run a dedicated sub-podcast with all interviews and news in cooperation with them. Find it all here: 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/) 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/). 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 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/) 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/), 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/ --- 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/fintechgermany/message Support this podcast: https://anchor.fm/fintechgermany/support

Selbstständiger. Seit 2011 arbeitet er mit seinem heute 35-köpfigen Team an der Digitalisierung und Automatisierung von Buchhaltungsprozessen. Nach seinem Studium an der TU Illmenau begann er seine Karriere als freier Software-Entwickler, sowie Dozent in Deutschland und den USA. Mittlerweile kann René auf die Mitgründung diverser Startups zurückblicken, weswegen er sich heutzutage aktiv im Bereich Mentoring und Erfahrungsaustausch mit anderen Gründern engagiert. Seine Kompetenzen liegen vor allem in der Konzeption digitaler Geschäftsmodelle, SaaS und dem Aufbau von Unternehmensstrukturen. Mario Hachemer ist seit 2011 in der Frankfurter Startup Szene aktiv und hat 2012 das erste Startup Wochenende in Frankfurt veranstaltet. Dabei lernte er René Maudrich, CEO von FastBill, kennen und schloss sich 2015 dessen Team als CTO an. Auch hat er den Gründerstammtisch ins Leben gerufen, bei dem jeden Monat Gründer von Startups, die am Anfang ihrer Reise stehen, zusammenkommen. Seine Passion und Stärke ist es, Unternehmen und Menschen zu inspirieren und ihnen gleichzeitig dabei zu helfen, Hindernisse, obgleich technischer oder organisatorischer Natur, zu überwinden und Chancen zu erkennen, um zielorientierte Erfolge zu erzielen. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ Weitere Infos, ihre Tipps, Ratschläge, Hacks & Ressourcen findest Du in den Shownotes der Episode auf www.startupfever.de/fastbill ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ In diesem Podcast erwarten Dich spannende, inspirierende und motivierende Interviews mit Gründerherzen, also Gründerinnen und Gründer; die Dir von ihrer Gründung, ihrem Erfolg, das Scheitern und deim eigenen Startup berichten. Sie geben Dir Tipps, Ratschläge und Hacks mit auf den Weg und nennen Dir ihre Ressourcen, wie beispielsweise Tools, Bücher, Hörbücher, Filme oder Serien, die ihnen auf ihrem Weg geholfen, sie inspiriert, motiviert und unterstützt haben.

In unserer Mittagsfolge begrüßen wir heute René Maudrich, Co-Founder & CEO von FastBill, mit dem wir u.a. über den Exit des deutschen Software-Anbieters durch Freshbooks sprechen. Das Startup aus Frankfurt FastBill begann vor 10 Jahren damit, eine Software für die papierlose Buchhaltung zu entwickeln. Die beiden Gründer René Maudrich und Christian Häfner und ihr 30-köpfiges Team erhielten lange nach der Gründung im Jahr 2011 erste Investorengelder. Zum Zeitpunkt der Übernahme soll Fastbill nach Angaben von René Maudrich einen „mittleren siebenstelligen Betrag“ umgesetzt haben. Jetzt wird das Frankfurter Startup durch das kanadische Unicorn Freshbooks übernommen. Freshbooks ist ein Anbieter für cloudbasierter Finanzsoftware und derzeit in über 160 Ländern vertreten. Auch in Deutschland ist das Unternehmen aktiv und bietet seinen Service in erster Linie Freelancerinnen und Freelancern sowie kleineren Dienstleisterinnen und Dienstleistern an. Das Unicorn sammelte zuletzt bei einer Finanzierungsrunde von Barclays und JP Morgan insgesamt 120 Millionen Dollar ein, wovon es einen Teil für Übernahmen verwenden kann. Gemeinsam mit FastBill sollen neue Plattformfunktionen entwickelt und in weitere Märkte expandiert werden.

Einen "mittleren siebenstelligen Betrag" soll FastBill laut Gründer René Maudrich zum Zeitpunkt der Übernahme durch Freshbooks umgesetzt haben.

SponsorsRippling: https://cloudaccountingpodcast.promo/ripplingDark Horse: https://cloudaccountingpodcast.promo/darkhorseClient Hub: https://cloudaccountingpodcast.promo/clienthubShow Notes1:27 – David is leaving the building ... On vacation!   1:52 – CAP Voicemail – Thank you, Jonathan Weiss!  Is it too hard to become a CPA? Practitioners speak outhttps://www.accountingtoday.com/news/is-it-too-hard-to-become-a-cpa-practitioners-speak-out 5:50 – CPA firms lay out top issues in 2021 and beyondhttps://www.accountingtoday.com/opinion/cpa-firms-lay-out-top-issues-in-2021-and-beyond 9:42 – Service levels hit new lows at swamped IRShttps://www.accountingtoday.com/news/service-levels-hit-new-lows-at-swamped-irs 11:28 – IRS didn't spot $20.6M in bogus nonresident tax refundshttps://www.accountingtoday.com/news/irs-didnt-spot-20-6m-in-bogus-nonresident-tax-refunds 12:04 – Florida man filed 745 tax returns in 4 years, collecting $235K in bogus refunds — ‘I found a flaw in your system, and I took advantage of it'https://www.marketwatch.com/story/i-found-a-flaw-in-your-system-and-i-took-advantage-of-it-florida-man-filed-745-tax-returns-in-4-years-collecting-235k-in-bogus-refunds-11633540003 15:58 – Sage buys proposal software vendor GoProposalhttps://www.enterprisetimes.co.uk/2021/10/05/sage-buys-proposal-software-vendor-goproposal/ Sage buys U.K. proposal management software makerhttps://www.accountingtoday.com/news/sage-buys-uk-proposal-management-software-maker 19:32 – Latest product news – October 2021 | Xero Bloghttps://www.xero.com/blog/2021/10/product-news-oct-2021/ 23:05 – FreshBooks Acquires FastBill to Boost Growth in Canadahttps://www.pymnts.com/news/partnerships-acquisitions/2021/freshbooks-acquires-fastbill-to-boost-growth-in-canada/ 24:24 – Google Drive Is Getting Labels for Your Fileshttps://www.howtogeek.com/759458/google-drive-is-getting-labels-for-your-files/ 25:20 – Chargebee acquires RevLockhttps://www.accountingtoday.com/news/chargebee-acquires-revlock 26:17 – Pipe launches trading platform for recurring revenuehttps://www.accountingtoday.com/news/pipe-launches-trading-platform-for-recurring-revenue 30:05 – Hackers exploit MFA flaw to steal from 6,000 Coinbase customershttps://cointelegraph.com/news/hackers-exploit-mfa-flaw-to-steal-from-6-000-coinbase-customers-report 32:59 – Sage Intacct 2021 Release 3: What's New?https://www.accttwo.com/blog/sage-intacct-2021-release-3-whats-new 39:03 – Elizabeth Warren Shocked to Learn Big Public Accounting Firms Do Shady Sh*thttps://www.goingconcern.com/elizabeth-warren-shocked-to-learn-big-public-accounting-firms-do-shady-sht/ 40:58 – The tax agency would like to look at your financial transactions above $600. What could go wrong?https://www.wsj.com/articles/internal-revenue-service-irs-rettig-yellen-brady-bank-account-tax-proposal-revenue-privacy-data-breach-11633287461 41:55 – Democrats eye narrowing Biden plan on bank reporting to IRShttps://www.accountingtoday.com/articles/democrats-eye-narrowing-biden-plan-on-bank-reporting-to-irs Banks enlist customers to kill Biden's account data reporting planhttps://www.accountingtoday.com/articles/banks-enlist-customers-to-kill-bidens-account-data-reporting-plan 45:06 – Adios, David – Enjoy Cancun!  46:23 – Who Is John Zabel? Britney Spears' New Conservator Takes Over From Jamie Spearshttps://www.yourtango.com/news/who-is-john-zabel-britney-spears-new-conservator Need CPE? Subscribe to the Earmark Accounting Podcast: https://podcast.earmarkcpe.comGet CPE for listening to podcasts with Earmark CPE: https://earmarkcpeGet in TouchThanks for listening and for the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. 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Lululemon is bringing their Mirror product to Canadian stores. Freshbooks is buying German FastBill to drive international expansion. And Rent The Runway is going public on the NASDAQ. Celebrating something? Let us know for a shoutout here: https://thepeak.typeform.com/to/GuHjLDoa The Peak Daily is produced by 306 Media Productions. Hosted by Brett Chang and Jay Rosenthal.

Rhine-Main Review 2020 and 2021 Outlook“2021 is really going to be a roller coaster. I am really looking forward to the next review, the year is REALLY going to be interesting” Mario Hachemer CTO Fastbill during Rhine-Main-Review Subscribe HereFind all options to subscribe to our newsletter, podcast, YouTube channel or listen to our internet radio station here: Link https://linktr.ee/startupradio “If you look at the startups, that succeeded in 2020, it is the ones with a big client base” Mario Hachemer CTO Fastbill during Rhine-Main-Review The GuestsMario Hachember, CTO of Fastbill (https://www.linkedin.com/in/mahachemer/), one of the fathers of the Frankfurt startup scene, brought here the first startup weekend, started the Founders Table/Gründerstammtisch where new founders can meet. Twitter, Company Website Fastbill, last interview Pedro Ferreira, Founder of the FrankfurtValley.app blog, Co-Founder Xperience+, as well as community manager Startuprad.io LinkedIn, Twitter, Crunchbase, Founder Institute Frankfurt, last interview Christian Gleitze, podcaster at the Connecting Dots Podcast, WordPress developer, and copywriter from Frankfurt LinkedIn, Twitter, Company Website “After corona, we will get in the startup scene the highest spike either in investments, in mergers and acquisitions or in insolvencies” Joe Menninger, Startuprad.io during Rhine-Main-Review Discussed Topics Find the full show notes here: https://www.startuprad.io/blog/4277/ “Corona lead to wild [startup] valuation changes, in both directions, sometimes 1,5 X” Mario Hachemer CTO Fastbill during Rhine-Main-Review Folge direkt herunterladen

Er ist Mitgründer von Fastbill, Gründer von letsseewhatworks.com und HappyCoffee - und weiß definitiv was es heißt, Communities aufzubauen. Diese Woche sprechen wir mit Christian Häfner über seine letsseewhatworks Unternehmer-Community, wie er heute nochmal starten würde und natürlich über NoCode Tools die er dafür einsetzt. Viel Spaß!

Christian Häfner ist Online-Firmengründer aus Leidenschaft. Seine Vision: Anderen (angehenden) Gründern dabei zu helfen, sich mit dem eigenen Business ihren individuellen Wunsch-Lifestyle zu erschaffen. Ich habe Christian Häfner schon genossen, bevor ich ihn überhaupt kannte – nämlich in Form der hervorragenden Espresso-Bohnen von Happy Coffee. Noch mehr genossen habe ich allerdings das Interview, dass ich gerade mit ihm geführt habe. Er ist einfach ein sehr entspannter Typ, der mit großem Eifer und enormer Zielstrebigkeit seine Projekte umsetzt. Mich hat vor allem die Kombination aus Intuition und Zahlen, Daten, Fakten überzeugt.  Christian Häfner ist Gründer, seit er 18 ist. Heute ist der gebürtige Rheinländer Mitte 30 und hat neben Happy Coffee auch FastBill gegründet, ein sehr erfolgreiches Tool für digitale Buchhaltung. Außerdem ist er Gründer der Plattform für Freunde des Surfsports meerdavon und von LetsSeeWhatWorks – einem Blog über Business, digitale Tools und Marketing. Auf diesem populären Blog schreibt er über seine Erfahrungen als Online-Unternehmer. Damit möchte Christian anderen (angehenden) Gründern helfen, sich mit dem eigenen Business ihren individuellen Wunsch-Lifestyle zu erschaffen. Aus diesem Video habe ich vor allem zwei Erkenntnisse mitgenommen: Wie enorm wichtig es ist, den Fokus auf den Bau von Systeme zu richten, die nicht von einem selber abhängig sind. Und darauf zu achten, dass die Einkommensströme so verteilt sind, dass sie auch ohne aktive Arbeit immer weiter laufen.  Links & Emfehlungen Wer mehr über Christian erfahren will, der sollte einfach mal den Blog LetsSeeWhatWorks ansteuern – und sich dabei einen guten Espresso aus Happy Coffee Bohnen (*) zubereiten.

Die Mehrwertsteuersenkung stellt Unternehmer vor große Herausforderungen: Du musst Rechnungen prüfen, andere Steuersätze abrechnen und auf vieles mehr achten. In dieser Episode erfährst du, was sich seit der letzten Folge zum Thema Mehrwertsteuersenkung getan hat und was die Betriebsprüferin Andrea Köchling und der Steuerberater Christian Deák davon halten. Außerdem geht es um die konkreten Aufgaben, die auf Unternehmer in den nächsten Monaten zukommen. Was ist bei der Rechnungsstellung zu beachten? Welche Unterschiede gibt es zwischen Leistungen, Dauerleistungen und Lieferungen? Was müsst ihr bei eingehenden Rechnungen beachten? Und was muss rückwirkend korrigiert werden? Am Ende stellen die Betriebsprüferin Andrea Köchling, Steuerberater Christian Deák und FastBill CEO René Maudrich gemeinsam eine Checkliste auf.

Die Senkung der Umsatzsteuersätze sorgen für - große technische "Herausforderungen" und - rechtliche Unsicherheiten. In diesem Interview werden - die Betriebsprüferin Andrea Köchling, - und der Steuerberater Christian Deák vom Geschäftsführer René Maudrich von FastBill GmbH interviewt. Viel Spaß beim Anhören ( Podcast) und Anschauen ( Youtube ).

Ab 1. Juli 2020 wird die Mehrwertsteuer (bzw. Umsatzsteuer) für 6 Monate gesenkt - das bedeutet Unternehmen müssen ihre Abrechnung und Buchhaltung anpassen und eine Reihe von Regeln beachten, um keine Fehler zu machen. In dieser Folge geben wir euch einen Überblick über Pflichten für Unternehmer, Stolpersteine und derzeit ungeklärte Fragen. Dazu erfahrt ihr, wie die Betriebsprüferin und Referentin für Umsatzsteuer Andrea Köchling und Steuerberater Christian Deák das Kosten-Nutzen Verhältnis diese Steueränderung beurteilen. Ein unterhaltsamer Austausch, der sicher nicht der letzte zum Thema gewesen sein wird.

**Interview mit Betriebsprüferin, Steuerberater, FastBill!** Chance sich „vernünftig“, „neu“ und digital aufzustellen; Was kann man heutzutage alles digital erledigen und worauf achten die Finanzämter / Steuerberater? Im Experteninterview unterhalten sich Andrea Köchling (Betriebsprüferin), Christian Deák (Steuerberater DHW Steuerberatungsgesellschaft) und René Maudrich (Geschäftsführer FastBill GmbH) über die Möglichkeiten eines „digitalen Setups“ und worauf man achten sollte! - ordentliche Rechnungsschreibung - Vorsteuerabzug - GoBD: Unterlagen muss man auch „finden können“ - —> NEO Accounting - Digitale Tools: Verfahrensdokumentation ist verpflichtend ! - Weitere Verfahrensdokumentationen; RESI Scan (Papier vernichten) - Digitale Orga mit dem Steuerberater fortsetzen; was kann man einrichten? Zum Thema Verfahrensdokumentation haben wir bereits eine Interview und einen Artikel verfasst: https://www.dhw-stb.de/2020/04/verfahrensdokumentation/

Komplettes Setup für eine papierlose Buchhaltung; vom Postlauf / Übermittlung der Buchhaltung bis zum Jahresabschluss In dieser Folge beschreiben wir, wie man aus einer papierbehafteten Buchhaltung und einem papierbehafteten Betrieb ohne Probleme zu einem komplett papierlosen Betrieb und Setup werden kann. Somit kann man seine existenziell wichtigen Geschäftsvorgänge ortsunabhängig und komplett digital ausgestalten. Hier stellen wir erprobte Tools vor, die miteinander arbeiten können. Wir beschreiben einen DropScan Service, wie man seine Rechnungseingänge tatsächlich aus allen Kanälen bekommt und wie man über FastBill mit dem Steuerberater kommuniziert.

This Month in German Startups - Corona Flash - March 19th, 2020This is a special format for our startup news. We will keep you updated on the developing Covid19 story and its impact on the German startup scene. If you are new to our podcast(s), we are wrapping up the startup news of the German-speaking area in a monthly recording from Frankfurt and New York. Have a look at our website www.startuprad.io or www.startup.radio and you will find all the links to our recording and the articles we are quoting from there. Some of the source articles are in English, some are in German. Reach out to us, here is our audience survey, to give us feedback, suggest topics, interview partners share links or just to say “Hallo!” https://forms.gle/mLV6mVKwGwKuut8BA _____________ Our affiliate partners: Startup in need of a bank account? Try our partner Penta http://bit.ly/3bdHX3d Looking for a bank account to shift between crypto and fiat? Try our partner Bitwala: http://bit.ly/2w01Zye Need office space? Co-Working at WeWork https://we.co/2GYbxvS Need something done fast? SEO / Graphics / Sounds / Transcript look at Fiverr: http://bit.ly/2S0f2YF You can listen to many of the books from our recommendations with an audible subscription: https://amzn.to/2pGzseh ____________ Find the host here:Jörn “Joe” Menninger joe@startuprad.io / Twitter / LinkedIn / Video Interview (2018) IntroHi there, This is Joe from Startuprad.io. Since the Corona outbreak in Europe, we surpassed 150.000 subscribers. I would like to thank you all and keep you up to date with the current development. Public life in Germany is now greatly reduced. In most of Germany’s sixteen states the opening hours of bars and restaurants are severely limited and only selected stores (think groceries, pharmacies, …) remain open during normal hours. This has a great impact on startups in Germany, from changing to remote-only work, to a heavy drag on revenues, to finding emergency funding. We thought we would give you an overview, as a short flash update. We want to provide you with collections of links and reports, that point you where to find information, help and can read more. German Startup Association's Link Collection“This is a list of *public* coronavirus // Covid-19 communications/measures and resources. Disclaimer: The content below is crowdsourcing content, so it is not independently verified. It is intended as a resource for founders and management teams who are currently discussing their own actions on SARS-CoV-2/COVID-19 and want to learn from the ecosystem. “ SARS-CoV-2/COVID-19: Collected Best Practices of the German Startup Scene - German Startups Association https://docs.google.com/document/d/1UKRxxg3SiOH7hBUnS8Tn81zAqoG4KcWBpSPBTpfidzk/preview Some highlights from the document: Guide to support measures for startups affected by coronavirus | Sifted https://buff.ly/2QqjAXhCOVID-19 Symptoms and what to do, incl. list of links and phone numbers in relevant geographies - 15.3.20Kurzarbeit is in Germany short term measures to support companies, where part of the employees pay is taken over by the government. Find more information here: Very Detailed Frequently Asked Questions on Kurzarbeit - 17.3.2020Obligation to file for insolvency due to corona suspended for companies in Germany - 16.3.2020Global collection of VC resources, measurement lists, blog posts and other communications - 18.3.2020 Other Link CollectionsWhat to consider? Time to plan now. Consider this situation going on for weeks, even months and make plans accordingly. For all startups cash is king! Here are examples of measures put together by the German government. Measures of the German Federal Ministry of Economics: https://www.bmwi.de/Redaktion/DE/Downloads/S-T/schutzschild-fuer-beschaeftigte-und-unternehmen.pdf?__blob=publicationFile&v=12Employment law, what to consider in Germany https://www.bmas.de/DE/Presse/Meldungen/2020/corona-virus-arbeitsrechtliche-auswirkungen.htmlKurzarbeitergeld Application for companies in Germany: https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-uebersicht-kurzarbeitergeldformen https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-video https://www.bundesregierung.de/breg-de/themen/coronavirus/bundestag-kurzarbeitergeld-1729626Here is a list and hotline for companies with (potential) Liquidity Problems from the German Ministry of finance, mostly listing regional economic development banks - Fördermittel-Hotline (030) 18615 8000 des Bundeswirtschaftsministeriums https://www.foerderdatenbank.de/SiteGlobals/FDB/Forms/Suche/Expertensuche_Formular.html?submit=Suchen&filterCategories=FundingOrganisation&filterCategories=FundingProgram&cl2Processes_Foerderbereich=coronaCorona Information for Companies by Technologieland Hessen https://buff.ly/395yqsA Links to updates, sources for short term financing and FAQ listsFrankfurt-based fintech Fastbill has a great collection of corona related links, tailored to freelancers (German only): Corona-Pandemie: Hilfen und Tipps für Selbstständige https://buff.ly/2WorQuNThere is also a great collection by our friends of Penta, the Berlin-based challenger bank https://buff.ly/3b6HyPl They have application forms for the German Finanzamt, to lighten the tax burden to application forms for short term work (Kurzarbeit from above). Related NewsStartups developing tech to combat COVID-19 urged to apply for fast-track EU funding – TechCrunch https://buff.ly/2WtqyyL Good news from the German federal government, they promise up to 40 bn Euros in aid and loans to freelancers and SMEs - DER SPIEGEL - Wirtschaft https://buff.ly/2U5wlc9?utm_source=-custom-by-source-0- Keep in mind, this will not all go to startups, but we will keep you updated on the measures, as well as when and where to apply. Potential Time FrameA snapshot of China, the epicenter of Corona right now from the NY Times: China Hits a Coronavirus Milestone: No New Local Infections https://buff.ly/2Ux9S6T Drastic measures have been taken there, since January 22nd. This gives us a potential time frame of almost 60 days. Keep in mind without proper vaccination the virus could re-emerge after restrictions are lifted. There is a paper by the Imperial College UK, which focuses on the UK and US, but is a guide for the duration of potential measures. This paper forecasts the height of deaths in the UK mid/end of May and in the US at the beginning/mid of June. Keep in mind, even though we will be through the Corona crisis, we may face another outbreak in the coming winter, without vaccination. This does not mean, there will be one. None the less you should factor this in as one potential scenario in your plans https://www.imperial.ac.uk/media/imperial-college/medicine/sph/ide/gida-fellowships/Imperial-College-COVID19-NPI-modelling-16-03-2020.pdf Further readingsEU-Startups has 10 tips for productive homeworking https://buff.ly/2U9YyNN Publications by Deloitte on the impact of COVID19 on financial services (US focus): The impact of COVID-19 on investment management | Deloitte Insights https://buff.ly/2Wq4AwnImpact of COVID-19 on insurers | Deloitte Insights https://www2.deloitte.com/uk/en/insights/economy/covid-19/impact-of-covid-19-on-insurers.html?id=us:2em:3pa:financial-services:eng:di:031720 Banking and capital markets: Implications of COVID-19 | Deloitte Insights https://www2.deloitte.com/us/en/insights/economy/covid-19/banking-and-capital-markets-impact-covid-19.html?id=us:2em:3pa:financial-services:eng:di:031720 Video Newshttps://youtu.be/8OFy60IchJI Top Book Picks by 28 year old serial entrepreneur Peter (AL) Principles by Ray Dalio https://amzn.to/38ZgmB7 The man who solved the market https://amzn.to/2SZ6Jgw What You Do Is Who You Are: How to Create Your Business Culture https://amzn.to/2SYi00x The little prince https://amzn.to/3c6hWDm Friedrich Nietzsche’s Books: Ecce Homo: How One Becomes What One is https://amzn.to/2HSuAYDThus Spoke Zarathustra: A Book for All and None https://amzn.to/37W2qGLHerman Hesse’s Books Siddhartha https://amzn.to/2PpJzO3Steppenwolf https://amzn.to/32pSPqI Folge direkt herunterladen

This Month in German Startups - Corona Flash - March 19th, 2020This is a special format for our startup news. We will keep you updated on the developing Covid19 story and its impact on the German startup scene. If you are new to our podcast(s), we are wrapping up the startup news of the German-speaking area in a monthly recording from Frankfurt and New York. Have a look at our website www.startuprad.io or www.startup.radio and you will find all the links to our recording and the articles we are quoting from there. Some of the source articles are in English, some are in German. Reach out to us, here is our audience survey, to give us feedback, suggest topics, interview partners share links or just to say “Hallo!” https://forms.gle/mLV6mVKwGwKuut8BA _____________ Our affiliate partners: Startup in need of a bank account? Try our partner Penta http://bit.ly/3bdHX3d Looking for a bank account to shift between crypto and fiat? Try our partner Bitwala: http://bit.ly/2w01Zye Need office space? Co-Working at WeWork https://we.co/2GYbxvS Need something done fast? SEO / Graphics / Sounds / Transcript look at Fiverr: http://bit.ly/2S0f2YF You can listen to many of the books from our recommendations with an audible subscription: https://amzn.to/2pGzseh ____________ Find the host here:Jörn “Joe” Menninger joe@startuprad.io / Twitter / LinkedIn / Video Interview (2018) IntroHi there, This is Joe from Startuprad.io. Since the Corona outbreak in Europe, we surpassed 150.000 subscribers. I would like to thank you all and keep you up to date with the current development. Public life in Germany is now greatly reduced. In most of Germany’s sixteen states the opening hours of bars and restaurants are severely limited and only selected stores (think groceries, pharmacies, …) remain open during normal hours. This has a great impact on startups in Germany, from changing to remote-only work, to a heavy drag on revenues, to finding emergency funding. We thought we would give you an overview, as a short flash update. We want to provide you with collections of links and reports, that point you where to find information, help and can read more. German Startup Association's Link Collection“This is a list of *public* coronavirus // Covid-19 communications/measures and resources. Disclaimer: The content below is crowdsourcing content, so it is not independently verified. It is intended as a resource for founders and management teams who are currently discussing their own actions on SARS-CoV-2/COVID-19 and want to learn from the ecosystem. “ SARS-CoV-2/COVID-19: Collected Best Practices of the German Startup Scene - German Startups Association https://docs.google.com/document/d/1UKRxxg3SiOH7hBUnS8Tn81zAqoG4KcWBpSPBTpfidzk/preview Some highlights from the document: Guide to support measures for startups affected by coronavirus | Sifted https://buff.ly/2QqjAXhCOVID-19 Symptoms and what to do, incl. list of links and phone numbers in relevant geographies - 15.3.20Kurzarbeit is in Germany short term measures to support companies, where part of the employees pay is taken over by the government. Find more information here: Very Detailed Frequently Asked Questions on Kurzarbeit - 17.3.2020Obligation to file for insolvency due to corona suspended for companies in Germany - 16.3.2020Global collection of VC resources, measurement lists, blog posts and other communications - 18.3.2020 Other Link CollectionsWhat to consider? Time to plan now. Consider this situation going on for weeks, even months and make plans accordingly. For all startups cash is king! Here are examples of measures put together by the German government. Measures of the German Federal Ministry of Economics: https://www.bmwi.de/Redaktion/DE/Downloads/S-T/schutzschild-fuer-beschaeftigte-und-unternehmen.pdf?__blob=publicationFile&v=12Employment law, what to consider in Germany https://www.bmas.de/DE/Presse/Meldungen/2020/corona-virus-arbeitsrechtliche-auswirkungen.htmlKurzarbeitergeld Application for companies in Germany: https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-uebersicht-kurzarbeitergeldformen https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-video https://www.bundesregierung.de/breg-de/themen/coronavirus/bundestag-kurzarbeitergeld-1729626Here is a list and hotline for companies with (potential) Liquidity Problems from the German Ministry of finance, mostly listing regional economic development banks - Fördermittel-Hotline (030) 18615 8000 des Bundeswirtschaftsministeriums https://www.foerderdatenbank.de/SiteGlobals/FDB/Forms/Suche/Expertensuche_Formular.html?submit=Suchen&filterCategories=FundingOrganisation&filterCategories=FundingProgram&cl2Processes_Foerderbereich=coronaCorona Information for Companies by Technologieland Hessen https://buff.ly/395yqsA Links to updates, sources for short term financing and FAQ listsFrankfurt-based fintech Fastbill has a great collection of corona related links, tailored to freelancers (German only): Corona-Pandemie: Hilfen und Tipps für Selbstständige https://buff.ly/2WorQuNThere is also a great collection by our friends of Penta, the Berlin-based challenger bank https://buff.ly/3b6HyPl They have application forms for the German Finanzamt, to lighten the tax burden to application forms for short term work (Kurzarbeit from above). Related NewsStartups developing tech to combat COVID-19 urged to apply for fast-track EU funding – TechCrunch https://buff.ly/2WtqyyL Good news from the German federal government, they promise up to 40 bn Euros in aid and loans to freelancers and SMEs - DER SPIEGEL - Wirtschaft https://buff.ly/2U5wlc9?utm_source=-custom-by-source-0- Keep in mind, this will not all go to startups, but we will keep you updated on the measures, as well as when and where to apply. Potential Time FrameA snapshot of China, the epicenter of Corona right now from the NY Times: China Hits a Coronavirus Milestone: No New Local Infections https://buff.ly/2Ux9S6T Drastic measures have been taken there, since January 22nd. This gives us a potential time frame of almost 60 days. Keep in mind without proper vaccination the virus could re-emerge after restrictions are lifted. There is a paper by the Imperial College UK, which focuses on the UK and US, but is a guide for the duration of potential measures. This paper forecasts the height of deaths in the UK mid/end of May and in the US at the beginning/mid of June. Keep in mind, even though we will be through the Corona crisis, we may face another outbreak in the coming winter, without vaccination. This does not mean, there will be one. None the less you should factor this in as one potential scenario in your plans https://www.imperial.ac.uk/media/imperial-college/medicine/sph/ide/gida-fellowships/Imperial-College-COVID19-NPI-modelling-16-03-2020.pdf Further readingsEU-Startups has 10 tips for productive homeworking https://buff.ly/2U9YyNN Publications by Deloitte on the impact of COVID19 on financial services (US focus): The impact of COVID-19 on investment management | Deloitte Insights https://buff.ly/2Wq4AwnImpact of COVID-19 on insurers | Deloitte Insights https://www2.deloitte.com/uk/en/insights/economy/covid-19/impact-of-covid-19-on-insurers.html?id=us:2em:3pa:financial-services:eng:di:031720 Banking and capital markets: Implications of COVID-19 | Deloitte Insights https://www2.deloitte.com/us/en/insights/economy/covid-19/banking-and-capital-markets-impact-covid-19.html?id=us:2em:3pa:financial-services:eng:di:031720 Video Newshttps://youtu.be/8OFy60IchJI Top Book Picks by 28 year old serial entrepreneur Peter (AL) Principles by Ray Dalio https://amzn.to/38ZgmB7 The man who solved the market https://amzn.to/2SZ6Jgw What You Do Is Who You Are: How to Create Your Business Culture https://amzn.to/2SYi00x The little prince https://amzn.to/3c6hWDm Friedrich Nietzsche’s Books: Ecce Homo: How One Becomes What One is https://amzn.to/2HSuAYDThus Spoke Zarathustra: A Book for All and None https://amzn.to/37W2qGLHerman Hesse’s Books Siddhartha https://amzn.to/2PpJzO3Steppenwolf https://amzn.to/32pSPqI

This Month in German Startups - Corona Flash - March 19th, 2020This is a special format for our startup news. We will keep you updated on the developing Covid19 story and its impact on the German startup scene. If you are new to our podcast(s), we are wrapping up the startup news of the German-speaking area in a monthly recording from Frankfurt and New York. Have a look at our website www.startuprad.io or www.startup.radio and you will find all the links to our recording and the articles we are quoting from there. Some of the source articles are in English, some are in German. Reach out to us, here is our audience survey, to give us feedback, suggest topics, interview partners share links or just to say “Hallo!” https://forms.gle/mLV6mVKwGwKuut8BA _____________ Our affiliate partners: Startup in need of a bank account? Try our partner Penta http://bit.ly/3bdHX3d Looking for a bank account to shift between crypto and fiat? Try our partner Bitwala: http://bit.ly/2w01Zye Need office space? Co-Working at WeWork https://we.co/2GYbxvS Need something done fast? SEO / Graphics / Sounds / Transcript look at Fiverr: http://bit.ly/2S0f2YF You can listen to many of the books from our recommendations with an audible subscription: https://amzn.to/2pGzseh ____________ Find the host here:Jörn “Joe” Menninger joe@startuprad.io / Twitter / LinkedIn / Video Interview (2018) IntroHi there, This is Joe from Startuprad.io. Since the Corona outbreak in Europe, we surpassed 150.000 subscribers. I would like to thank you all and keep you up to date with the current development. Public life in Germany is now greatly reduced. In most of Germany’s sixteen states the opening hours of bars and restaurants are severely limited and only selected stores (think groceries, pharmacies, …) remain open during normal hours. This has a great impact on startups in Germany, from changing to remote-only work, to a heavy drag on revenues, to finding emergency funding. We thought we would give you an overview, as a short flash update. We want to provide you with collections of links and reports, that point you where to find information, help and can read more. German Startup Association's Link Collection“This is a list of *public* coronavirus // Covid-19 communications/measures and resources. Disclaimer: The content below is crowdsourcing content, so it is not independently verified. It is intended as a resource for founders and management teams who are currently discussing their own actions on SARS-CoV-2/COVID-19 and want to learn from the ecosystem. “ SARS-CoV-2/COVID-19: Collected Best Practices of the German Startup Scene - German Startups Association https://docs.google.com/document/d/1UKRxxg3SiOH7hBUnS8Tn81zAqoG4KcWBpSPBTpfidzk/preview Some highlights from the document: Guide to support measures for startups affected by coronavirus | Sifted https://buff.ly/2QqjAXhCOVID-19 Symptoms and what to do, incl. list of links and phone numbers in relevant geographies - 15.3.20Kurzarbeit is in Germany short term measures to support companies, where part of the employees pay is taken over by the government. Find more information here: Very Detailed Frequently Asked Questions on Kurzarbeit - 17.3.2020Obligation to file for insolvency due to corona suspended for companies in Germany - 16.3.2020Global collection of VC resources, measurement lists, blog posts and other communications - 18.3.2020 Other Link CollectionsWhat to consider? Time to plan now. Consider this situation going on for weeks, even months and make plans accordingly. For all startups cash is king! Here are examples of measures put together by the German government. Measures of the German Federal Ministry of Economics: https://www.bmwi.de/Redaktion/DE/Downloads/S-T/schutzschild-fuer-beschaeftigte-und-unternehmen.pdf?__blob=publicationFile&v=12Employment law, what to consider in Germany https://www.bmas.de/DE/Presse/Meldungen/2020/corona-virus-arbeitsrechtliche-auswirkungen.htmlKurzarbeitergeld Application for companies in Germany: https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-uebersicht-kurzarbeitergeldformen https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-video https://www.bundesregierung.de/breg-de/themen/coronavirus/bundestag-kurzarbeitergeld-1729626Here is a list and hotline for companies with (potential) Liquidity Problems from the German Ministry of finance, mostly listing regional economic development banks - Fördermittel-Hotline (030) 18615 8000 des Bundeswirtschaftsministeriums https://www.foerderdatenbank.de/SiteGlobals/FDB/Forms/Suche/Expertensuche_Formular.html?submit=Suchen&filterCategories=FundingOrganisation&filterCategories=FundingProgram&cl2Processes_Foerderbereich=coronaCorona Information for Companies by Technologieland Hessen https://buff.ly/395yqsA Links to updates, sources for short term financing and FAQ listsFrankfurt-based fintech Fastbill has a great collection of corona related links, tailored to freelancers (German only): Corona-Pandemie: Hilfen und Tipps für Selbstständige https://buff.ly/2WorQuNThere is also a great collection by our friends of Penta, the Berlin-based challenger bank https://buff.ly/3b6HyPl They have application forms for the German Finanzamt, to lighten the tax burden to application forms for short term work (Kurzarbeit from above). Related NewsStartups developing tech to combat COVID-19 urged to apply for fast-track EU funding – TechCrunch https://buff.ly/2WtqyyL Good news from the German federal government, they promise up to 40 bn Euros in aid and loans to freelancers and SMEs - DER SPIEGEL - Wirtschaft https://buff.ly/2U5wlc9?utm_source=-custom-by-source-0- Keep in mind, this will not all go to startups, but we will keep you updated on the measures, as well as when and where to apply. Potential Time FrameA snapshot of China, the epicenter of Corona right now from the NY Times: China Hits a Coronavirus Milestone: No New Local Infections https://buff.ly/2Ux9S6T Drastic measures have been taken there, since January 22nd. This gives us a potential time frame of almost 60 days. Keep in mind without proper vaccination the virus could re-emerge after restrictions are lifted. There is a paper by the Imperial College UK, which focuses on the UK and US, but is a guide for the duration of potential measures. This paper forecasts the height of deaths in the UK mid/end of May and in the US at the beginning/mid of June. Keep in mind, even though we will be through the Corona crisis, we may face another outbreak in the coming winter, without vaccination. This does not mean, there will be one. None the less you should factor this in as one potential scenario in your plans https://www.imperial.ac.uk/media/imperial-college/medicine/sph/ide/gida-fellowships/Imperial-College-COVID19-NPI-modelling-16-03-2020.pdf Further readingsEU-Startups has 10 tips for productive homeworking https://buff.ly/2U9YyNN Publications by Deloitte on the impact of COVID19 on financial services (US focus): The impact of COVID-19 on investment management | Deloitte Insights https://buff.ly/2Wq4AwnImpact of COVID-19 on insurers | Deloitte Insights https://www2.deloitte.com/uk/en/insights/economy/covid-19/impact-of-covid-19-on-insurers.html?id=us:2em:3pa:financial-services:eng:di:031720 Banking and capital markets: Implications of COVID-19 | Deloitte Insights https://www2.deloitte.com/us/en/insights/economy/covid-19/banking-and-capital-markets-impact-covid-19.html?id=us:2em:3pa:financial-services:eng:di:031720 Video Newshttps://youtu.be/8OFy60IchJI Top Book Picks by 28 year old serial entrepreneur Peter (AL) Principles by Ray Dalio https://amzn.to/38ZgmB7 The man who solved the market https://amzn.to/2SZ6Jgw What You Do Is Who You Are: How to Create Your Business Culture https://amzn.to/2SYi00x The little prince https://amzn.to/3c6hWDm Friedrich Nietzsche’s Books: Ecce Homo: How One Becomes What One is https://amzn.to/2HSuAYDThus Spoke Zarathustra: A Book for All and None https://amzn.to/37W2qGLHerman Hesse’s Books Siddhartha https://amzn.to/2PpJzO3Steppenwolf https://amzn.to/32pSPqI

This Month in German Startups - Corona Flash - March 19th, 2020This is a special format for our startup news. We will keep you updated on the developing Covid19 story and its impact on the German startup scene. If you are new to our podcast(s), we are wrapping up the startup news of the German-speaking area in a monthly recording from Frankfurt and New York. Have a look at our website www.startuprad.io or www.startup.radio and you will find all the links to our recording and the articles we are quoting from there. Some of the source articles are in English, some are in German. Reach out to us, here is our audience survey, to give us feedback, suggest topics, interview partners share links or just to say “Hallo!” https://forms.gle/mLV6mVKwGwKuut8BA _____________ Our affiliate partners: Startup in need of a bank account? Try our partner Penta http://bit.ly/3bdHX3d Looking for a bank account to shift between crypto and fiat? Try our partner Bitwala: http://bit.ly/2w01Zye Need office space? Co-Working at WeWork https://we.co/2GYbxvS Need something done fast? SEO / Graphics / Sounds / Transcript look at Fiverr: http://bit.ly/2S0f2YF You can listen to many of the books from our recommendations with an audible subscription: https://amzn.to/2pGzseh ____________ Find the host here:Jörn “Joe” Menninger joe@startuprad.io / Twitter / LinkedIn / Video Interview (2018) IntroHi there, This is Joe from Startuprad.io. Since the Corona outbreak in Europe, we surpassed 150.000 subscribers. I would like to thank you all and keep you up to date with the current development. Public life in Germany is now greatly reduced. In most of Germany’s sixteen states the opening hours of bars and restaurants are severely limited and only selected stores (think groceries, pharmacies, …) remain open during normal hours. This has a great impact on startups in Germany, from changing to remote-only work, to a heavy drag on revenues, to finding emergency funding. We thought we would give you an overview, as a short flash update. We want to provide you with collections of links and reports, that point you where to find information, help and can read more. German Startup Association's Link Collection“This is a list of *public* coronavirus // Covid-19 communications/measures and resources. Disclaimer: The content below is crowdsourcing content, so it is not independently verified. It is intended as a resource for founders and management teams who are currently discussing their own actions on SARS-CoV-2/COVID-19 and want to learn from the ecosystem. “ SARS-CoV-2/COVID-19: Collected Best Practices of the German Startup Scene - German Startups Association https://docs.google.com/document/d/1UKRxxg3SiOH7hBUnS8Tn81zAqoG4KcWBpSPBTpfidzk/preview Some highlights from the document: Guide to support measures for startups affected by coronavirus | Sifted https://buff.ly/2QqjAXhCOVID-19 Symptoms and what to do, incl. list of links and phone numbers in relevant geographies - 15.3.20Kurzarbeit is in Germany short term measures to support companies, where part of the employees pay is taken over by the government. Find more information here: Very Detailed Frequently Asked Questions on Kurzarbeit - 17.3.2020Obligation to file for insolvency due to corona suspended for companies in Germany - 16.3.2020Global collection of VC resources, measurement lists, blog posts and other communications - 18.3.2020 Other Link CollectionsWhat to consider? Time to plan now. Consider this situation going on for weeks, even months and make plans accordingly. For all startups cash is king! Here are examples of measures put together by the German government. Measures of the German Federal Ministry of Economics: https://www.bmwi.de/Redaktion/DE/Downloads/S-T/schutzschild-fuer-beschaeftigte-und-unternehmen.pdf?__blob=publicationFile&v=12Employment law, what to consider in Germany https://www.bmas.de/DE/Presse/Meldungen/2020/corona-virus-arbeitsrechtliche-auswirkungen.htmlKurzarbeitergeld Application for companies in Germany: https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-uebersicht-kurzarbeitergeldformen https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-video https://www.bundesregierung.de/breg-de/themen/coronavirus/bundestag-kurzarbeitergeld-1729626Here is a list and hotline for companies with (potential) Liquidity Problems from the German Ministry of finance, mostly listing regional economic development banks - Fördermittel-Hotline (030) 18615 8000 des Bundeswirtschaftsministeriums https://www.foerderdatenbank.de/SiteGlobals/FDB/Forms/Suche/Expertensuche_Formular.html?submit=Suchen&filterCategories=FundingOrganisation&filterCategories=FundingProgram&cl2Processes_Foerderbereich=coronaCorona Information for Companies by Technologieland Hessen https://buff.ly/395yqsA Links to updates, sources for short term financing and FAQ listsFrankfurt-based fintech Fastbill has a great collection of corona related links, tailored to freelancers (German only): Corona-Pandemie: Hilfen und Tipps für Selbstständige https://buff.ly/2WorQuNThere is also a great collection by our friends of Penta, the Berlin-based challenger bank https://buff.ly/3b6HyPl They have application forms for the German Finanzamt, to lighten the tax burden to application forms for short term work (Kurzarbeit from above). Related NewsStartups developing tech to combat COVID-19 urged to apply for fast-track EU funding – TechCrunch https://buff.ly/2WtqyyL Good news from the German federal government, they promise up to 40 bn Euros in aid and loans to freelancers and SMEs - DER SPIEGEL - Wirtschaft https://buff.ly/2U5wlc9?utm_source=-custom-by-source-0- Keep in mind, this will not all go to startups, but we will keep you updated on the measures, as well as when and where to apply. Potential Time FrameA snapshot of China, the epicenter of Corona right now from the NY Times: China Hits a Coronavirus Milestone: No New Local Infections https://buff.ly/2Ux9S6T Drastic measures have been taken there, since January 22nd. This gives us a potential time frame of almost 60 days. Keep in mind without proper vaccination the virus could re-emerge after restrictions are lifted. There is a paper by the Imperial College UK, which focuses on the UK and US, but is a guide for the duration of potential measures. This paper forecasts the height of deaths in the UK mid/end of May and in the US at the beginning/mid of June. Keep in mind, even though we will be through the Corona crisis, we may face another outbreak in the coming winter, without vaccination. This does not mean, there will be one. None the less you should factor this in as one potential scenario in your plans https://www.imperial.ac.uk/media/imperial-college/medicine/sph/ide/gida-fellowships/Imperial-College-COVID19-NPI-modelling-16-03-2020.pdf Further readingsEU-Startups has 10 tips for productive homeworking https://buff.ly/2U9YyNN Publications by Deloitte on the impact of COVID19 on financial services (US focus): The impact of COVID-19 on investment management | Deloitte Insights https://buff.ly/2Wq4AwnImpact of COVID-19 on insurers | Deloitte Insights https://www2.deloitte.com/uk/en/insights/economy/covid-19/impact-of-covid-19-on-insurers.html?id=us:2em:3pa:financial-services:eng:di:031720 Banking and capital markets: Implications of COVID-19 | Deloitte Insights https://www2.deloitte.com/us/en/insights/economy/covid-19/banking-and-capital-markets-impact-covid-19.html?id=us:2em:3pa:financial-services:eng:di:031720 Video Newshttps://youtu.be/8OFy60IchJI Top Book Picks by 28 year old serial entrepreneur Peter (AL) Principles by Ray Dalio https://amzn.to/38ZgmB7 The man who solved the market https://amzn.to/2SZ6Jgw What You Do Is Who You Are: How to Create Your Business Culture https://amzn.to/2SYi00x The little prince https://amzn.to/3c6hWDm Friedrich Nietzsche’s Books: Ecce Homo: How One Becomes What One is https://amzn.to/2HSuAYDThus Spoke Zarathustra: A Book for All and None https://amzn.to/37W2qGLHerman Hesse’s Books Siddhartha https://amzn.to/2PpJzO3Steppenwolf https://amzn.to/32pSPqI

This Month in German Startups - Corona Flash - March 19th, 2020This is a special format for our startup news. We will keep you updated on the developing Covid19 story and its impact on the German startup scene. If you are new to our podcast(s), we are wrapping up the startup news of the German-speaking area in a monthly recording from Frankfurt and New York. Have a look at our website www.startuprad.io or www.startup.radio and you will find all the links to our recording and the articles we are quoting from there. Some of the source articles are in English, some are in German. Reach out to us, here is our audience survey, to give us feedback, suggest topics, interview partners share links or just to say “Hallo!” https://forms.gle/mLV6mVKwGwKuut8BA _____________ Our affiliate partners: Startup in need of a bank account? Try our partner Penta http://bit.ly/3bdHX3d Looking for a bank account to shift between crypto and fiat? Try our partner Bitwala: http://bit.ly/2w01Zye Need office space? Co-Working at WeWork https://we.co/2GYbxvS Need something done fast? SEO / Graphics / Sounds / Transcript look at Fiverr: http://bit.ly/2S0f2YF You can listen to many of the books from our recommendations with an audible subscription: https://amzn.to/2pGzseh ____________ Find the host here:Jörn “Joe” Menninger joe@startuprad.io / Twitter / LinkedIn / Video Interview (2018) IntroHi there, This is Joe from Startuprad.io. Since the Corona outbreak in Europe, we surpassed 150.000 subscribers. I would like to thank you all and keep you up to date with the current development. Public life in Germany is now greatly reduced. In most of Germany’s sixteen states the opening hours of bars and restaurants are severely limited and only selected stores (think groceries, pharmacies, …) remain open during normal hours. This has a great impact on startups in Germany, from changing to remote-only work, to a heavy drag on revenues, to finding emergency funding. We thought we would give you an overview, as a short flash update. We want to provide you with collections of links and reports, that point you where to find information, help and can read more. German Startup Association's Link Collection“This is a list of *public* coronavirus // Covid-19 communications/measures and resources. Disclaimer: The content below is crowdsourcing content, so it is not independently verified. It is intended as a resource for founders and management teams who are currently discussing their own actions on SARS-CoV-2/COVID-19 and want to learn from the ecosystem. “ SARS-CoV-2/COVID-19: Collected Best Practices of the German Startup Scene - German Startups Association https://docs.google.com/document/d/1UKRxxg3SiOH7hBUnS8Tn81zAqoG4KcWBpSPBTpfidzk/preview Some highlights from the document: Guide to support measures for startups affected by coronavirus | Sifted https://buff.ly/2QqjAXhCOVID-19 Symptoms and what to do, incl. list of links and phone numbers in relevant geographies - 15.3.20Kurzarbeit is in Germany short term measures to support companies, where part of the employees pay is taken over by the government. Find more information here: Very Detailed Frequently Asked Questions on Kurzarbeit - 17.3.2020Obligation to file for insolvency due to corona suspended for companies in Germany - 16.3.2020Global collection of VC resources, measurement lists, blog posts and other communications - 18.3.2020 Other Link CollectionsWhat to consider? Time to plan now. Consider this situation going on for weeks, even months and make plans accordingly. For all startups cash is king! Here are examples of measures put together by the German government. Measures of the German Federal Ministry of Economics: https://www.bmwi.de/Redaktion/DE/Downloads/S-T/schutzschild-fuer-beschaeftigte-und-unternehmen.pdf?__blob=publicationFile&v=12Employment law, what to consider in Germany https://www.bmas.de/DE/Presse/Meldungen/2020/corona-virus-arbeitsrechtliche-auswirkungen.htmlKurzarbeitergeld Application for companies in Germany: https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-uebersicht-kurzarbeitergeldformen https://www.arbeitsagentur.de/unternehmen/finanziell/kurzarbeitergeld-video https://www.bundesregierung.de/breg-de/themen/coronavirus/bundestag-kurzarbeitergeld-1729626Here is a list and hotline for companies with (potential) Liquidity Problems from the German Ministry of finance, mostly listing regional economic development banks - Fördermittel-Hotline (030) 18615 8000 des Bundeswirtschaftsministeriums https://www.foerderdatenbank.de/SiteGlobals/FDB/Forms/Suche/Expertensuche_Formular.html?submit=Suchen&filterCategories=FundingOrganisation&filterCategories=FundingProgram&cl2Processes_Foerderbereich=coronaCorona Information for Companies by Technologieland Hessen https://buff.ly/395yqsA Links to updates, sources for short term financing and FAQ listsFrankfurt-based fintech Fastbill has a great collection of corona related links, tailored to freelancers (German only): Corona-Pandemie: Hilfen und Tipps für Selbstständige https://buff.ly/2WorQuNThere is also a great collection by our friends of Penta, the Berlin-based challenger bank https://buff.ly/3b6HyPl They have application forms for the German Finanzamt, to lighten the tax burden to application forms for short term work (Kurzarbeit from above). Related NewsStartups developing tech to combat COVID-19 urged to apply for fast-track EU funding – TechCrunch https://buff.ly/2WtqyyL Good news from the German federal government, they promise up to 40 bn Euros in aid and loans to freelancers and SMEs - DER SPIEGEL - Wirtschaft https://buff.ly/2U5wlc9?utm_source=-custom-by-source-0- Keep in mind, this will not all go to startups, but we will keep you updated on the measures, as well as when and where to apply. Potential Time FrameA snapshot of China, the epicenter of Corona right now from the NY Times: China Hits a Coronavirus Milestone: No New Local Infections https://buff.ly/2Ux9S6T Drastic measures have been taken there, since January 22nd. This gives us a potential time frame of almost 60 days. Keep in mind without proper vaccination the virus could re-emerge after restrictions are lifted. There is a paper by the Imperial College UK, which focuses on the UK and US, but is a guide for the duration of potential measures. This paper forecasts the height of deaths in the UK mid/end of May and in the US at the beginning/mid of June. Keep in mind, even though we will be through the Corona crisis, we may face another outbreak in the coming winter, without vaccination. This does not mean, there will be one. None the less you should factor this in as one potential scenario in your plans https://www.imperial.ac.uk/media/imperial-college/medicine/sph/ide/gida-fellowships/Imperial-College-COVID19-NPI-modelling-16-03-2020.pdf Further readingsEU-Startups has 10 tips for productive homeworking https://buff.ly/2U9YyNN Publications by Deloitte on the impact of COVID19 on financial services (US focus): The impact of COVID-19 on investment management | Deloitte Insights https://buff.ly/2Wq4AwnImpact of COVID-19 on insurers | Deloitte Insights https://www2.deloitte.com/uk/en/insights/economy/covid-19/impact-of-covid-19-on-insurers.html?id=us:2em:3pa:financial-services:eng:di:031720 Banking and capital markets: Implications of COVID-19 | Deloitte Insights https://www2.deloitte.com/us/en/insights/economy/covid-19/banking-and-capital-markets-impact-covid-19.html?id=us:2em:3pa:financial-services:eng:di:031720 Video Newshttps://youtu.be/8OFy60IchJI Top Book Picks by 28 year old serial entrepreneur Peter (AL) Principles by Ray Dalio https://amzn.to/38ZgmB7 The man who solved the market https://amzn.to/2SZ6Jgw What You Do Is Who You Are: How to Create Your Business Culture https://amzn.to/2SYi00x The little prince https://amzn.to/3c6hWDm Friedrich Nietzsche’s Books: Ecce Homo: How One Becomes What One is https://amzn.to/2HSuAYDThus Spoke Zarathustra: A Book for All and None https://amzn.to/37W2qGLHerman Hesse’s Books Siddhartha https://amzn.to/2PpJzO3Steppenwolf https://amzn.to/32pSPqI

"Einfach schnell mal was online verkaufen?" - was steckt dahinter? Tägliches ToDo und Herausforderungen in der Praxis Interview mit René Maudrich (Gründer von FastBill) und David Pohlmann (von Billbee) und Christian Deák (DHW Steuerberatung)

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

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

In der neuen Episode des Digital!Futter Podcasts sprechen der digitale Steuerberater Christian Deák von DHW und André Nünninghoff von der Paperless GmbH mit Dr. Roger Gothmann von Taxdoo über dein digitales und rechtssicheres Setup für die Buchhaltung. Nicht jeder benötigt ganzjährig und vollumfänglich einen Steuerberater. Ein Gespräch über die möglichen Stolpersteine der Buchhaltung kann hier vor großem Schaden bewahren. Handel aber auch Einkauf von Produkten und Dienstleistungen über die deutschen Grenzen hinweg erfordert einiges an Wissen und Kompetenz. SaaS Tools wie Taxdoo selbst, lexoffice, Sevdesk, Fastbill und andere können zwar Buchhaltung automatisieren, aber können keine menschlichen Fehler verhindern.

Der UC - Unternehmer-Kongress:https://uc-unternehmer-kongress.com/                        Zu Gast im UC Podcast: Mit René Maudrich René Maudrich ist Gründer und CEO von Fastbill.com. Fastbill ist eines der führenden Buchhaltungs-Online-Plattformen kleiner Unternehmen und Selbstständiger.   Gemeinsam mit Christian Häfner hat René Fastbill gegründet. Mit seinem Team arbeitet er an der Digitalisierung und Automatisierung von Buchhaltungsprozessen.    Seine Reminder für mehr Wachstum: Triff smarte Entscheidungen Gebe Deine Erfahrungen weiter Nimm Mentorings von erfahreneren Unternehmern an   Erfahre mehr über Fastbill: https://www.fastbill.com __________   Dir gefällt unser Unternehmer-Podcast? Dann freuen wir uns über Deine Rezension auf iTunes.  

Steve Kroeger hat die höchsten Berge unser Kontinente, die Seven Summits, nicht nur mit eigenen Augen gesehen, sondern sogar sein Buch nach ihnen benannt. Darin beschreibt er in sieben Lektionen was man als Selbstständiger vom und beim Bergsteigen lernen kann. Nach Jahren auf Reisen wurde aus dem Rucksack ein Wohnwagen, bevor Steve mit seiner Familie irgendwann in Süddeutschland sesshaft wurde. Frei fühlt er sich trotzdem noch, viel unterwegs ist er nach wie vor. Als Speaker und Berater besucht er Selbstständige, Startups und DAX-Konzerne und berichtet unter anderem von den veränderten Anforderungen an Führungskräfte. Diese Folge gibt einen spannenden Einblick in sehr bewegte 42 Jahre.

30 Tage kostenloser Zugang in die UC: https://www.die-unternehmer-community.com/30-Tage-Zugang/ __________    In dieser neuen Folge gibt es wieder spannende Neuigkeiten aus der UC. Steve berichtet über die Kooperation mit Fastbill. Dort war er in Frankfurt zu Besuch und auch in deren Podcast im Interview. Außerdem berichtet er von spontanen Treffen mit anderen UC Mitgliedern. Über die UC-App ist es nämlich möglich, Mitglieder in der Umgebung zu lokalisieren.   Auch in dieser Folge muss Steve eine Frage beantworten: Was würde ihm sein 80-Jähriges Ich mit auf dem Weg geben.    Was würde Steve's 80-Jähriges Ich ihm für Reminder geben: Gucke auf Kleinigkeiten die eine hohe Wertigkeit mitbringen. Habe ein wachsames Auge auf Deine Gesundheit Welche Frage würdest Du eigentlich mal Steve stellen? Schreib uns: podcast@die-unternehmer-community.com  __________   Dir gefällt unser Unternehmer-Podcast? Dann freuen wir uns über Deine Rezension auf iTunes.

Den ganzen Tag mit den Kindern verbringen können. Was vielen Eltern verwehrt bleibt, ist für Jana und viele ihrer Kunden bei CoWorkPlay vollkommen normal. Im Coworking-Space in Frankfurt gibt es neben Bürofläche auch einen Bereich für Kinderbetreuung. Dort können die Kleinen zwar morgens abgegeben, dann aber den ganzen Tag besucht und bespielt werden. Ein Mittagsschlaf soll auch schon einigen Eltern geholfen haben, um kreative Energie für die zweite Tageshälfte zu tanken. Was Jana in puncto Unternehmertum, Kindererziehung und Coworking-Space sonst noch wichtig ist, erfahrt ihr in dieser Folge.

In dieser Episode beschäftigen wir uns mit dem erfolgreichem Aufbau einer Marke und dem Onlineverkauf von Kaffee. Christian Häfner verrät uns, welche Vorgehensweisen und Marketingkanäle besonders wichtig sind, um online Kaffee zu verkaufen. Wir sprechen über seine First Steps beim Aufbau einer neuen Marke. Die Produktfindung. Die richtige Targetierung. Abomodelle. Welche Alleinstellungsmerkmale wichtig sind. Und wie man es schafft Käufer immer wieder zum Kauf zu bewegen und den Kunden an sich zu binden. Viel Spaß beim Zuhören!

In der neuen Folge des Digital!Futter Podcasts sprechen der digitale Steuerberater Christian Deák von DHW und André Nünninghoff von der Paperless GmbH mit René Maudrich von Fastbill gemeinsam über Prozesse und wie diese in der Digitalen Buchhaltung am besten dargestellt werden können

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 bn Euro in H1 2018 (4.1 bn US$). Investors like fintech and medtech startups. Germany scores No 2 in #Fintech investments with 402.2 mn Euros http://ow.ly/lBHq30mvOyj Meet The 100 Most Innovative Startups Of Germany In 2018 - Forbes https://buff.ly/2SimfAZ Frankfurt is present fintech heavy including @ginmon @ClarkGermany and #blockchain #accelerator @iconiqlab You find the interview with the CEO and founder of Clark Germany here: https://www.startuprad.io/interviews/clark-de-startup-germany-bloombergs-list-50-promising-startups/ Berlin-based incubator Finleap has raised €41.5 million to build more fintech startups https://buff.ly/2Biv87E Copycat behaviour is punished faster than ever before Klarna sues German fintech Sofortpay, which was founded by former employees of Sofortueberweisung. Sofortueberweisung was bought by Klarna | Gründerszene https://buff.ly/2FMJVvX #fintech #payments And even fintechs are conservative with their growth and risk #Berlin-based #banking startup Solarisbank can only show 1,9 m Euros in revenue in B2B, where it works with #fintechs. The bank raised 95 m Euros #VentureCapital and invested 24,5 m Euros already to build up the banking platform http://ow.ly/HMbl30mpmz3 The incumbents awake: "Patent Analysis: Top US Banks Prioritize Payments" - CB Insights Research http://ow.ly/KbCU30mLmJt #fintech #banking #payments #patents #strategy OctoberBerlin based fintech Penta raises 7 mn Euros venture capital. The fintech offers its services to German small and medium enterprises https://buff.ly/2EmyyKk Related: Interview Penta, also noted in “How 60+ Startups Are Disrupting Retail And Commercial Banking Around The World” by CB Insights https://buff.ly/2RKGJCJ including n26 and Penta Related: Our interview with Lav, CEO and Co-Founder of Penta https://youtu.be/M1ExxaijmfQ The twins from #Frankfurt-based #fintech dwins appeared in the German Version of #SharkTank - called Lion's den. They presented their app to manage your contracts https://buff.ly/2O1Gg0T Deutsche Bank is already a shareholder and Startuprad.io interviewed them in the past: https://buff.ly/2PaAKWp German billionaire and business angel Carsten Maschmeyer is a judge at Germany's version of #SharkTank. Now he invests 1 million Euros, a record amount for this TV format in #Frankfurt-based fintech Dwins, which pitched there. http://ow.ly/tgmG30m90lp https://www.handelsblatt.com/finanzen/banken-versicherungen/gruendershow-hoehle-der-loewen-carsten-maschmeyer-investiert-rekordsumme-in-das-fintech-dwins/23140920.html Mailbox @SocieteGenerale - opens Global Markets Incubator for #fintech #startups, working on capital markets https://buff.ly/2NHFJMu Startup News Germany Summer 2018 (July, August, September)This is a first! For the first time in Germany a German fintech listed successfully on a stock exchange! Frankfurt-based fintech Creditshelf listed successfully at the Frankfurt Stock Exchange. This is the first IPO of a pure play fintech in Germany. The company raised 16.5 m Euros (almost 20 m US$) http://ow.ly/IpTg30l1tUz We have an exclusive interview for you! The recording is done. It will be published mid of October. #Frankfurt-based government-owned bank KfW and Frankfurt-based #FinTech CrowdDesk start pilot program for municipal crowdfunding http://ow.ly/8vOM30l1zn5 Deutsche Bank Pushes Digital With Second Fintech Deal This Year - Bloomberg Quint http://ow.ly/yFDn30lz35DB German fintech Wirecard to push Commerzbank out of DAX 30 https://buff.ly/2Q9B3Sc Finanzcheck.de a comparison portal for financial services is sold for almost 300 mn Euros to M-Dax listed Scout24 group. This is Germany's 2nd largest #fintech exit after 360T transaction, worth approx 750 mn US$ http://ow.ly/daW730l0jOL related https://www.deutsche-startups.de/2018/07/18/finanzcheck-exit/ Hamburg-based fintech Naga group gets a bad wrap from Finanz-Szene.de, since their ICO was not for themselves, but for a company, which will provide services to Naga. The money actually went to Naga Development Association Ltd. (NDAL) which is domiziled in Belize http://finanz-szene.de/exklusiv-wo-sind-die-50-millionen-aus-dem-ico-des-hamburger-fintechs-naga-gelandet/ #Hamburg-based #Fintech Deposit Solution raises 100 m US$ Venture Capital, valued at 500 m US$ - deutsche-startups.de http://ow.ly/uHk930lqr8p He used to be a Tesla manager, than he lead the German energy startup Sonnen to international successes, now he has his own #fintech #startup CapInside - a network were members can search investment opportunities http://ow.ly/wkG930lKwc5 German fintech Auxmoney is eyeing an IPO reports Reuters. The credit platform broke even (according to their own statement) in Q4 2017 http://ow.ly/No7430lD7ZJ #Fintech BBVA and ABN Amro invested almost 57 m Euros #VentureCapital in #Berlin-based Solarisbank. Now they published their annual results and generated only approx 2 mn Euros in revenue. This is for a 225 m Euro postmoney company | Gründerszene http://ow.ly/Mni630loIbq Finanz-szene.de calculates the number of customers, which really have their primary bank account with hyped N26. N26 claims 1 m customers, but FZ calculates only 250k - 300k have their primary account with them #Berlin #Fintech http://ow.ly/G17b30laSGs US #insurtech Lemonade sued German competitor WeFox. Now they seem to have an out-of-court settlement. Lemonade will withdraw the lawsuit, as soon as WeFox made changes. Yet the extend and nature of changes remain unclear | Gründerszene http://ow.ly/DKEE30liNga The fintech Deposit Solutions (a platform for fixed deposits) and the comparison portal Check24 cooperate. According to Finanz-Szene, parts of the "investment service" of Check24 is white labeled from DS http://ow.ly/AdMG30kXXb7 This is surprising, since Check24 originally wanted to take market share away from fintechs. Now they are cooperating. orderbird, the #Berlin-based #cashier system #startup stopped expansion - They have generated 9 m Euros revenue and 8.8 m Euros loss according to their 2016/17 balance sheet http://ow.ly/3aC330lduDZ Startup News Germany June 2018We talked to some of the winners of the “Golden Garage”, Germany’s investor side fintech award: https://youtu.be/KgRzjIi-Kr0 The 10 hottest fintechs in Germany. To the list made it the Frankfurt based insurtech Clark and microsavings app Savedroid, which recently completed it's ICO - Horizont.net http://ow.ly/NuK830kvL0Q Finanz-Szene sheds some lights on the Lendico ING transaction, where the bank bought the fintech. According to FZ calculations Rocket Internet burned almost 27 mn Euros with the startup. ING may have made a bargain in the transaction they conclude http://ow.ly/9puq30kClNZ ING Ventures invests in Berlin-based fintech FinCompare, as part of a series A financing round http://ow.ly/l9BL30kkgSK Startup News Germany May 2018We have two winners of the Benzinga Global Fintech Awards in the exclusive video interview, including one which wants to list 2019. According to calculations by consultancy Oliver Wyman - Fintechs already cut 1,5 bn Euros profits out of the bank business in Germany writes Gruenderszene.de, although 900 mn thereof are from retail banking https://buff.ly/2rt6pbq #fintech #germany #profit #Banking Startup News Germany April 2018Fist one was Savedroid, who pretended to be an ICO Scam for 24 hours just to draw attention to their ICO advisory business, which they wanted to launch with this PR stunt. So far we can say it fired back. They have been getting a beating in the national and international press, including CEO Yassin Hankir, who received multiple death threats. You remember savedroid, Yassin and the ICO from the video interview we had shortly before christmas last year: https://youtu.be/oEfX6knd-1o Here are some of the links to the national and international press coverage: German: Deutsche-Startups.de https://www.deutsche-startups.de/2018/04/19/savedroid-verkauft-yassin-hankir-den-miesen-pr-gag/Gründerszene https://www.gruenderszene.de/fintech/savedroid-pr-stunt-hack-exit-scam-aktion-werbungEnglish: Rhein-Main Startups https://rhein-main-startups.com/2018/04/19/and-its-not-gone-savedroid-is-safe/TechCrunch https://techcrunch.com/2018/04/18/another-day-another-50-million-ico-exit-scam/Hallo Frankfurt https://hallofrankfurt.de/savedroid-rekt-or-pr-stunt-a60d19e35eceWe have yet to see a positive coverage of the stunt and I personally wrote Yassin, that I am sure he will get a few less invites to parties this year. Yassin’s direkt statement: https://youtu.be/o5_bwFf_byo Germany's 2nd largest bank Commerzbank holds shares in more fintechs than the other top 10 combined reports the blog Finanzsene https://buff.ly/2HDZDKp this should not suprise anyone. Commerzbank was with its Main Incubator the pioneer of the large german banks to invest in fintechs. Related: Former CEO of Main incubator Christian Hoppe will be the CEO of the Frankfurt branch of the Silicon Valley Bank, which just announced plans to launch in Frankfurt, Germany https://buff.ly/2KyFvXD Kreditech, new CEO and one of the top managers leaves https://www.gruenderszene.de/fintech/kreditech-vorstandswechsel?ref=nl_b Still no fintech unicorn in Germany and some investors did not like the valuation of N26 or Number26, the Berlin-based fintech. Deutsche-Startups.de writes about the valuation of N26 of approx. 750 mn US$. It appears the valuation was too high for some investors and they dropped out http://ow.ly/myHL30jkhgF #Berlin-based #fintech savendo has brokered fixed deposit to Versobank in Estonia. Now the bank is closed for money laundry and terrorism financing. The money of savendo clients should not be in danger .... http://ow.ly/zqeM30jb4JL Finanzcheck.de, is the first German fintech to open a brick and mortar branch reports Finanz-Szene.de exclusively https://buff.ly/2ILrqo Startup News Germany March 2018Frankfurt-based #fintech Giroxx raises 900.000 Euro #VentureCapital writes deutsche-startups.de http://ow.ly/vdkC30j9wU0 The company offers transfers in foreign currencies. Frankfurt-based startup Acomodeo, a market place for serviced apartments, raises "mid seven digit" #VentureCapital reports @RMStartups http://ow.ly/wiLQ30iLdZ1 Meet the Frankfurt-based fintech FastBill, which sees opportunities in the US market and may look for another #VentureCapital round. Learn more here http://ow.ly/W4cy30iOv4v via RMStartups You may remember that we also talked to savdroid about their ICO? They are under scrutiny for their ICO since one of their advisors was blogging in favour of the ICO but did not disclose the connection. None the less the ICO raised somewhere between 35 and 40mn Euros https://www.gruenderszene.de/allgemein/savedroid-ico-krypto-roland-klaus Rocket Internet again Innolend - financed by Rocket Internet - the fintech for financing SMEs is in liquidation. The phone number on the website is already dead writes deutsche-startups.de https://buff.ly/2HEQ49B Startup News Germany February 2018Frankfurt-based online bank INGDiba (German arm of ING) buys Rocket Internet’s P2P SME lending platform Lendico writes Finanzszene.de exclusively. This is the first fintech acquisiton of a large Germany based bank http://finanz-szene.de/exklusiv-ing-diba-kauft-lendico-und-macht-als-erste-grosse-deutsche-bank-wirklich-ernst-mit-fintech/ Deutsche Startups has a more critical view of this - They quote ARD - ING only buys software it does not have and is not taking on the risk of its own software development. Lendico on the other hand never took off. What is your take? https://www.deutsche-startups.de/2018/02/20/ing-diba-kauft-lendico-soll-der-jubel/ Startup News Germany January 2018German fintech startups raised 716 mn Euros in 2017 reports FINANCE https://buff.ly/2EssWcI #German #fintech #wunderkind Naga buys shares in #Frankfurt based easyfolio writes deutsche-startups.de. Naga will own 25% with an option of up to 49%, buying shares from current owner, Frankfurt based bank Hauck & Aufhäuser https://buff.ly/2ncVC2X Kreditech, with an assumed valuation of 300+ mn Euros, Germany's most valuable fintech is not doing well reports Gruenderszene. According to press reports they collected the startup generated losses of 114 mn Euros in just 24 months. Also the CFO is about to leave. Gruenderszene writes that the revenue growth is pretty small compared to the invested sums they deduce from the losses http://ow.ly/970V30hQT6g We will keep an eye on the fintech for you guys Berlin-based FinTech startup Penta accuses TransferWise to have stolen its debit card branding writes EU Startups http://ow.ly/Z6n030hNYYP Learn more about Get Penta here on our interview: http://www.startuprad.io/exclusive/exclusive-berlin-based-fintech-penta-goes-live-open-beta-re-thinking-banking/ Folge direkt herunterladen

Angela war auf dem Websummit in Lissabon. Claas auf dem Steuerberatertag in Bonn – und hat ein paar Gespräche davon mitgebracht. Und – schockschwerenot – Claas hat ein Buch gelesen: Benita Königbauer „Buchführung im Flow“

In dieser Folge stelle ich Dir meine 7 wichtigsten Tools aus meinem beruflichen Alltag als Unternehmer und Berater für Digitales Marketing und CRM vor. Dabei gehe ich vor allem auf Software ein, die nicht speziell meine fachliche Arbeit unterstützt, sondern viele von uns grundsätzlich brauchen. Zu diesen 7 Tools gehören: Notizen und ToDos: Evernote mit SwipesProjektmanagement: TrelloE-Mail-Marketing: MailchimpCRM: HubspotTeam-Kommunikation: SlackOnline-Meetings: ZoomFinanzen: FastBill mit KontistNatürlich passen diese Tools besser je mehr Deine Rolle bzw. Arbeitsweise meiner entspricht. Daher zur Einordnung etwas zu meinem Hintergrund und meiner Ausstattung. Mein Geld verdiene ich als selbständiger und - das ist mir sehr wichtig - unabhängiger Berater für Digitales Marketing und CRM. Seit etwa zwei Jahren bin ich "Apple-Jünger" und komplett mit iOS-Geräten ausgestattet: MacBook, iPhone, iPad und seit kurzem auch eine Apple Watch. Welches sind die wichtigsten Kriterium bei allen Tools, die ich nutze? Effizienz. Mir liegt am Herzen meine Abläufe stets zu optimieren und möglichst zu automatisieren.Integration bzw. Exportfunktion: Meine Daten möchte ich bei Bedarf in anderen Tools verwenden.Preis-/Leistung: Für gute Funktionen gebe ich gutes Geld aus, i.d.R. wähle ich einen Preis-/Leistungssieger.Wenn Du gezielt Tipps und Tools zu CRM, Social Media oder Podcasting haben möchtest, melde sich gern direkt bei mir. Zudem bin ich immer auf der Suche nach nach, spannenden Tools. Hast Du Vorschläge für mich? Dann kontaktiere mich jetzt. SHOWNOTES Evernote: https://evernote.com/intl/de/Swipes: https://swipesapp.com/Trello: https://trello.comMailchimp: https://mailchimp.comHubspot: https://www.hubspot.de/Slack: https://slack.com/intl/de-de/Zoom: https://zoom.us/Kontist: https://kontist.com/FastBill: https://www.fastbill.com/Blog-Artikel: http://miteinanderreden-podcast.de/2018/11/22/meine-7-wichtigsten-tools/Website Michael KUNDENFOKUSSIERT: http://www.kundenfokussiert.deMichael bei Facebook: https://www.facebook.com/michael.lorenz.923724 Michael bei Instagram: https://www.instagram.com/michaellorenz_official/ Michael bei Twitter: https://twitter.com/heyhomilo Michael bei XING: https://www.xing.com/profile/Michael_Lorenz3 Michael bei LinkedIn: https://www.linkedin.com/in/michael-lorenz/

Kennst du bereits dein Why? Warum willst du Unternehmer werden oder bist es geworden? Christian Häfner von LetsSeeWhatWorks, FastBill, HappyCoffee und meerdavon weiß es genau. Für ihn ist es die Grundlage für maximale Freiheit, Selbstbestimmung und Selbstverwirklichung. //Vereinbare jetzt dein kostenloses Erstgespräch mit mir: bernhardkalhammer.com/consulting-session Gemeinsam mit seiner Frau Heidi arbeitet er an zahlreichen Projekten, die es ihnen ermöglichen, einen Lifestyle zu leben, den sie sich über die Jahre lang aufgebaut haben. Die Welt zu bereisen, ihre Unternehmen remote führen zu können und die Wellen der schönsten Strände zu reiten. Eins muss dir bewusst sein: erfolgreiches Unternehmertum ist kein Overnight Success Modell. Ganz im Gegenteil. Es bedeutet meist jahrelange Vorbereitung und Hingabe, um etwas aufzubauen, von dem man später einmal leben kann. Natürlich gibt es hier auch Außnahmen, aber generell ist eine "Get Rich Quick" Mentalität die falsche Einstellung, um langfristig ein erfolgreiches Business aufzubauen. //Eine Bitte an Dich: wenn Dir mein Podcast gefällt, hinterlasse mir eine 5-Sterne-Bewertung auf iTunes!

Mit vier Hunden im Büro kann die Stimmung nur gut sein. Warum aber Goodies alleine für eine gesunde Unternehmenskultur nicht ausreichen, warum wir die Frauenquote unbedingt ausprobieren sollten und warum Altersvorsorge immer noch so ein leidiges Thema ist und vor allem, wie Altersvorsorge eigentlich sein sollte, darüber und über vieles mehr haben wir mit Lara Hämmerle, Mitgründerin von Vantik gesprochen.

"Anna ist die unmuttihafteste Mutti, die ich kenne", sagte ihre Kollegin Theresa mal über sie. Für die zweite Folge bin ich zur Darmstädter Agentur quäntchen und glück, genauer gesagt, zu Anna Groos gefahren. Anna ist eine echte Tausendsassarin. Gäbe es das Wort nicht in femininer Form, sie würde es erfinden. Anna ist lange als Freie und Feste durch Agenturen getingelt, dann aber bei quäntchen und glück gelandet. Hier stand New Work schon auf der Tagesordnung, bevor es die Bezeichnung dafür überhaupt gab.

"Das ist ja eher so... professioneller Freak Style, was du machst!" So hat ein Kollege mal versucht zu beschreiben, was Barbara eigentlich macht. Sie bezeichnet sich selbst Verhaltensmathematikerin, berät Selbstständige und Unternehmen zum Thema kognitiver Empathie, setzt sich bei Lean In für Frauen (und Männer!) ein, ist Autistin und möchte die Welt vor AI bewahren, die bestimmte Gruppen von Menschen benachteiligt. Sonst noch was? Jede Menge. Press play!

Der Host (Moritz) des neuen FastBill Podcasts stellt sich vor und gibt einen kurzen Überblick, welche Inhalte zu erwarten sind: Selbstständigkeit, New Work, Women in Tech und vieles mehr.

Interview mit dem Co-Founder von Fastbill René Maudrich

Wir haben ein neues spannendes Interview mit Christian Häfner von meerdavon.com ! Chris hat es zusammen mit seiner Frau und Geschäftspartnerin Heidi geschafft vom Landlocked Surfer zum fulltime Travelblogger und Onlineunternehmer zu werden. Sie sind immer dort wo die Wellen gut sind und wo sich Surf + Work perfekt kombinieren lässt. Wenn sie nicht gerade aktiv herumreisen, leben sie in ihrer Homebase in Portugal - auch nicht schlecht :D (https://www.meerdavon.com/portugal-surfen/ ) Wenn ihr Surfer seid, seid ihr im Internet sicher schon auf den ein oder anderen toll recherchierten und geschriebenen Artikel von meerdavon.com gekommen. Dort gibt es echt alle wichtigen Tipps, die man so braucht für den perfekten Surferlifestyle. Zusätzlich ist Chris noch Gründer von Fastbill und der tollen Plattform: Letsseewhatworks. Insgesamt hat er uns in diesem Interview einen tollen Einblick in die verschiedenen Bereiche seines Lebens in Bezug auf Surfen und Business gegeben. Doch hört selbst, denn Chris hat als erfahrener Digitaler Nomade viel wissenswertes zu erzählen :) Mit dieser Folge bekommt ihr ein ganz gutes Allroundpaket und könnt mit den Infos seiner Websites auch direkt ins Handeln kommen! So lets do this and live the #surflifebalance ! Wenn ihr 'meer' wollt, dann klickt euch auf seinen Websites rum: https://www.meerdavon.com https://www.fastbill.com https://letsseewhatworks.com https://de.happycoffee.org Hinterlasst uns gerne eine Bewertung auf iTunes, wenn euch der Podcast gefallen hat! Liebste Grüße & Hang Loose, Celine

Ein Startup und eine Kanzlei haben sich ihre gegenseitige Liebe erklärt: FastBill und die Kanzlei DHW empfehlen einander. Wie sie sich aufeinander einstellen, um ihre individuellen Stärken zusammen zu bringen und die Mandanten glücklich zu machen, das erklären René Maudrich von FastBill und StB Christian Deák.

Christian Häfner ist Gründer von FastBill und Happy Coffee und lebt mit seiner Frau Heidi nach 18 Monaten Weltreise in Peniche in Portugal. Als digitaler Nomade kann er von jedem Ort der Welt aus arbeiten und hat sich damit den Luxus geschaffen, stets in unmittelbarer Nähe zum Meer zu sein und damit seinen Tag nach den Wellen zu gestalten. Seine Leidenschaft fürs Surfen teilen er und seine Frau Heidi Midori mit zahlreichen Lesern deutschlandweit auf dem Blog meerdavon. Mit dem Blog Let´s see what works hat er eine Plattform geschaffen, auf der Gründer ihre Erfahrungen über Erfolge und Misserfolge aus der Praxis teilen. Themen der Folge (unter anderem): • in 18 Monaten als digitaler Nomade surfreisend um die Welt, samt er Umstände die sich dabei ergeben • Wie Christian auf die Idee zu FastBill und Happy Coffee kam • Was es braucht, um als Gründer erfolgreich zu sein • Der Schlüsselmoment, der Christian zu seinem heutigen Lifestyle motiviert hat • Christian und Heidis Spielwiese: der Surfblog "meerdavon" • Über sein weiteres Herzensprojekt "Let´s see what works" • Möglichkeiten, mit einem Blog Geld zu verdienen • Was macht einen guten Blogartikel aus? • uvm. Shownotes: FastBill Happy Coffee Let´s see what works (hier geht´s direkt zum Artikel wo Christian erklärt, wie er zum airbnb-Business-Vermieter in Portugal wurde) meerdavon: Christian und Heidis Homebase Portugal Christian Häfner auf Instagram _____ Verbinde Dich wieder mit Dir selbst und dem Meer beim "GET WET SOON in France Surf and Yoga Retreat" Die besten Monate für über 108 Surfregionen weltweit: Die "SURFING WORLDWIDE MAP" Falls Dir die Folge gefallen hat, hinterlasse gerne eine Bewertung auf itunes.

Im 149ten PaymentandBanking FinTech Podcast begrüßen Kilian und André zwei bekannte Gesichter der FinTech Branche: - Chris Plantener von www.Kontist.de und - René Maudrich von www.Fastbill.de Beide haben in den letzten Tagen eine enge Kooperation bekannt gegeben und genau darüber haben wir mit beiden gesprochen. Wie sollten Banking und Buchhaltung im besten Fall miteinander interagieren? Welches System ist das Führende? Was kommt noch? Alles in allem ein sehr spannender Ausblick in einen Bereich den vor allem Freiberufler und Kleinunternehmer sehr interessieren wird. Aber auch Banken beschäftigen sich mit dem Thema in den letzten Monaten immer mehr. Viel Spass beim hören. Spendenmöglichkeiten und weitere Informationen unter www.paymentandbanking.com Danke an unsere Sponsoren www.Concardis.de und http://www.protechting.pt/ für das Sponsoring

Aus dem festen Job nebenbei in die Selbstständigkeit minimiert das  finanzielle Anfangsrisiko und du hast keine zusätzlichen Sozialversicherungsabgaben. Worauf musst du achten und wie gehst du das Gespräch mit deinem Chef am besten an? 1. Hol dir jetzt das DNX 2017 Videopaket mit vielen Keynote Vorträgen, allen Workshops und dem LIFE HACKZ All Stars Event. Mit dem Gutscheincode "DNX2017" bekommst du 50€ geschenkt. 2. Werde Teil der kostenlosen DNX LIFE HACKZ Community mit tausenden von gleichgesinnten Lifehackern. 3. Gib mir bitte eine kurze Bewertung auf iTunes und abonniere die Show !   SHOWNOTES Alle DNX Talks & Workshops LIFE HACKZ Folge "Lars Wrobbel ★ Smart investieren mit Peer 2 Peer Krediten" Lars' Website Lars Bücher auf Amazon LIFE HACKZ Folge "Kolja Barghoorn ★ Altersvorsorge in smart" Handelsregister https://www.smartsteuer.de/ Deutschlands führender Online-Steuerberater https://www.felix1.de/ Fastbill wave - Get paid. Track expenses. Manage your money. kleinunternehmer.de Trello Sango Meereskoralle

Christian Häfner ist Seriengründer. Sein größtes Baby ist FastBill, eine SAAS Lösung, mit der man seine Buchhaltung extrem vereinfachen kann. Und auch für die großen Unternehmen, die ihr Geld im Abo bekommen, bietet er mit Monsum eine Lösung. Daneben hat er aber immer mal wieder sein "Spielgeld" in die Hand genommen um in Inhalte zu investieren. Dabei geht es um Kaffee, Unternehmertum und ums Surfen. Wie er es hinbekommt bei so vielen Eisen im Feuer auch noch um die Welt zu reisen, erfahrt ihr in diesem Podcast. Der Tipp für diese Episode: Als Digitaler Nomade müsst ihr zwar arbeiten, wie zuhause auch, aber am Wochenende und nach Feierabend könnt ihr da sein, wo andere ihren Urlaub machen. Seine Tools: https://www.jobmensa.de Mehr Tipps von Christian: https://www.youtube.com/channel/UCezG7rC-Ey14kRdigadwE4A Christians Firmen: https://www.fastbill.com (tippt hier mal hebelzeit ein) https://monsum.com https://happycoffee.org https://www.letsseewhatworks.com Und mit seiner Frau betreibt er auch noch https://www.meerdavon.com/

Christian Häfner ist Gründer von Fastbill, Happycoffee und Letsseewhatworks. Christian ist für mich das personfizierte "Lean Start-Up", all seine Buden sind dezentral gegründet, alles ohne Venture Capital, also komplett eigenfinanziert, aus echtem, realem Cashflow und vor allem ganz viel Leidenschaft und Herzblut. Show Notes:  fastbill.com letsseewhatworks.com happycoffee.org upwork.com fiverr.com jobmensa.de jobs@fastbill.com slack.com asana App wunderlist.com Books:  Start-Up Land - Mikkel Svane Tim Ferriss - 4 Stunden Woche Song:  Social Distortion-Don't Drag Me Down Contact:  christian@fastbill.com Quick Links:  Amigo, wenn es dir gefallen hat, bitte schreibe mir eben eine kurze Bewertung auf iTunes und abboniere die Show! Thanks, Matthew :)  Mein erstes Buch ist am Start, go get it here!  Werde jetzt Teil meiner Mastermind Group, lerne mein Netzwerk kennen und beschleunige dein Business! Check mein Networking Hacks Audiobook     

      Interview mit Christian Häfner von FastBill Herzlich Willkommen zu einer neuen Folge von LifeHackz. Heute mit dem Geschäftsführer von FastBill – Christian Häfner. Christian hat FastBill zusammen mit seinem Co-Founder komplett aus eigenen Mitteln aufgebaut, sprich er hat das Unternehmen gebootstrapped, was ich richtig, richtig geil finde und was ich schade finde, dass es immer so ein bisschen untergeht neben den ganzen fett Venture finanzierten Unternehmen, die viel Geld verbrennen – nicht alle aber einige. Daneben gehen die ganzen Boostrapping Sachen ein bisschen unter. Von daher, ich habe höchsten Respekt vor seiner unternehmerischen Leistung, finde ihn persönlich auch mega-cool – er ist ein guter Freund geworden mittlerweile, hat richtig viel Wissen zum Thema Unternehmertum. Deshalb freue ich mich total, dass er heute am Start ist. Alle Shownotes zu dieser Folge findet ihr unter lifehackz.de/007 und jetzt viel Spaß mit dem Interview mit Christian. In dieser Folge lernst du: Was für Christian Freiheit bedeutet. Wie man ortsuanbhängige Teams managed. Wie er sein Unternehmen gebootstrapped hat. Warum er für das nächste Projekt auf Venture Capital setzt. Schreib mir an marcus@lifehackz.co, hinterlass eine kurze Bewertung auf iTunes und abonniere die Show! 1. Sicher dir jetzt kostenlos das ultimative DNX Erfolgskit für Online Unternehmer mit meinen 7 Erfolgsgeheimnissen für deine persönliche und finanzielle Freiheit

What does it take to start a SaaS company from SCRATCH? 4 years ago, Christian co-founded Fastbill together with a friend from an internship. Today, they are the DACH market-leader for online billing & customer service management for small businesses and freelancers, with over 30k customers and a team of 25 employees. Listen to Learn: Why startups are a good first market for certain SaaS ventures How Fastbill Kicked off their Brand How to distinguish yourself at a German Tradeshow How to pick a good co-founder (hint = beer)