Podcasts about N26

Deutschland mit Bleiweste – Dr. Hendrik Brandis im GesprächIn dieser Folge von Wirtschaft mit Weisbach geht es um Venture Capital, Deep Tech, New Space, Kernfusion und die Frage, warum Deutschland zwar technologisch stark ist, daraus aber zu selten große, skalierende Unternehmen entstehen.Ich spreche mit Dr. Hendrik Brandis, der bereits 1997 das Venture-Capital-Unternehmen Earlybird mitgegründet hat und seit mehr als 30 Jahren in junge Technologieunternehmen investiert. Earlybird gehört zu den größten und ältesten Start-up-Finanzierern Europas und ist unter anderem bei Isar Aerospace, Marvel Fusion und N26 investiert.Brandis beschreibt Deutschland als grundsätzlich hochattraktiven Standort mit starker wissenschaftlicher Basis und großer technologischer Innovationskraft. Gleichzeitig sieht er das Land durch Bürokratie, Überregulierung und falsche Kapitalallokation gebremst — wie einen leistungsfähigen Schwimmer mit Bleiweste.Außerdem im Podcast:Warum aus deutscher Spitzenforschung zu selten große Technologieunternehmen entstehenWeshalb fehlende Ambition, Regulierung und Wachstumskapital zentrale Hürden sindWas die Beispiele Lilium und Marvel Fusion über den Standort Deutschland zeigenWarum New Space und Deep Tech heute besser zu Venture-Capital-Modellen passen als früherWelche Rolle privates Kapital für Innovation und Wachstum spielen müssteEin Gespräch über Venture Capital, Regulierung, Wachstumskapital, Deep Tech, New Space, Kernfusion, die Zukunft des Technologiestandorts Deutschland und die Frage, was passieren muss, damit aus guter Forschung auch große Unternehmen entstehen.Vielen Dank fürs Zuhören!Themenvorschläge gerne an: kontakt@wirtschaftmitweisbach.deAnnette Weisbach ist seit über 15 Jahren als Wirtschaftsjournalistin für internationale Medien wie CNBC, Bloomberg und DW-TV tätig. Als CNBC-Korrespondentin führe ich regelmäßig Interviews mit Top-Entscheidungsträgern und moderiere Podiumsdiskussionen.Haben Sie Fragen oder Anregungen?Kontaktinformationen unter:LinkedInWebpageBleiben Sie dran für weitere spannende Inhalte!

Llega un momento en la vida en el que haces ruidos al levantarte del sofá y de repente una persona nacida en 2005 te llama señora mientras te explica qué significa “delulu”. Candela Peña visita Poco se Habla! para hablar de hacerse mayor, de ser oficialmente un poco boomer y de esa sensación extrañísima de vivir en un mundo donde ya no entiendes si alguien te está insultando, ligando o simplemente hablando en lenguaje Gen Z. Porque seamos honestos, ¿hay mayor crisis vital que no saber lo que significa 6-7?Porque sí, todos nos reíamos de nuestros padres cuando imprimían billetes de avión o mandaban GIFs de “buenos días” al grupo familiar… hasta que un día te descubres escribiendo “ok” con un pulgar arriba, diciendo “en mi época…” sin ironía y teniendo una opinión demasiado fuerte sobre las sartenes antiadherentes. Y ahí ya no hay vuelta atrás, Mari.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Ligar a los 30 ya no es lo que era. Ya no hay misterio, ni mariposas, ni miraditas en un bar. Ahora hay perfiles de Tinder escritos como si fueras una oferta de empleo y gente poniendo “amante de la aventura”... mientras sube fotos en Rascafría. Eva Soriano acude a la llamada de emergencia de Poco se Habla! y llega guapísima recién llegada del gimnasio (para que su madre diga que solo es mona) para hablar de rupturas, apps de citas, presión social y esa terrible etapa vital en la que todo el mundo empieza a preguntarte si “se te va a pasar el arroz” como si fueras un tupper olvidado en la nevera.Un episodio sobre Raya, ligues que dan pereza, relaciones que se alargan por miedo y hombres que no tienen ni un poquito de sensibilidad emocional. Porque sí, el amor está muy bien al calor de una cama y un anillo de casado, pero quedarte en casa viendo TikToks en pijama sin que nadie te moleste también tiene su punto.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Carter has a cool thing happening this week! Also the new Laika movie looks wonderful. Streaming plans at N26. A call about reading the book seires of the decade. Who does sick better? We have to pick between Dune 3 and Doomsday. Courage the Cowardly Dog trivia! And more! Hosted on Acast. See acast.com/privacy for more information.

Un día estás grabando vídeos en tu cuarto y al siguiente no puedes salir a hacer la compra sin que te hagan tap tap… y sin tener la sensación constante de que alguien te está grabando desde el pasillo de los congelados. Shannis llega a Poco se Habla! para hablar del precio real de la fama: los números, los fans, los ligues con famosos… y también ese momento oscuro de mirarte al espejo y no verte a ti misma, sino a un algoritmo con necesidad de engagement. Porque sí, cariño, puedes tener millones de visitas y aun así sentirte vacía.Un episodio sobre crisis existenciales, compras absurdas, postureo, DMs con fueguitos, dependencia de la dopamina digital… ¿y un poquito de sarna? Vamos, lo que una necesita para ser una superestrella de las buenas. Así que prepárate, Mari, porque este episodio va a ser tremendo TikTokazo.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Poplatky v bankách neustále rastú, no na trhu stále existujú účty, za ktoré nezaplatíte ani cent. A to bez nutnosti spĺňať prísne podmienky, ako je minimálny obrat, aktívne využívanie úverových produktov či desiatky platieb kartou.Fio banka, ČSOB, mBank či 365.bank lákajú klientov na bezplatné základné balíky. Každá z nich však volí iný prístup – od postupného spoplatnenia fyzických platobných kariet až po poplatky za výbery z bankomatov. Zaujímavou alternatívou sú aj plne digitálne banky ako Revolut či N26, ktoré mnohí Slováci využívajú ako sekundárne účty, no pre absenciu niektorých produktov u nás zatiaľ nahrádzajú hlavný účet len ťažko.Vďaka okamžitým platbám už navyše vôbec nemusíte riešiť, v akej inštitúcii majú účet vaši známi či rodina. O tom, ako si vybrať ten správny bezplatný účet a ako banky zarábajú na klientoch, ktorí im neplatia mesačné poplatky, sa v podcaste SHARE rozpráva Maroš Žofčin s redaktorom Živé.sk Filipom Maxom.Pripravte sa na budúcnosť s knihou od redaktorov Živé.sk „Umelá inteligencia: Pripravte sa na budúcnosť“. Teraz ju máme v elektronickej verzii. Nájdete ju na obchod.aktuality.sk.TIP: https://zive.aktuality.sk/clanok/0RfdZVW/nahliadnite-do-buducnosti-vydavame-knihu-o-umelej-inteligencii/V podcaste hovoríme aj o týchto témach:Ktoré štyri banky na Slovensku ponúkajú bežný účet úplne zadarmo.Kde si priplatíte za vydanie fyzickej platobnej karty.Kto si účtuje poplatky za výbery z bankomatu.Z čoho inštitúcie žijú, ak im klienti neplatia žiadne paušálne poplatky za vedenie účtu.Prečo sú služby ako Revolut a N26 ideálne na cestovanie, no ako hlavným účtom im stále niečo chýba.Prečo sa musíme pripraviť na to, že vydanie klasickej fyzickej karty bude čoskoro spoplatnené takmer všade.Či môžete získať bezplatný účet ako retenčnú ponuku, keď banke pohrozíte odchodom ku konkurencii.Podcast SHARE pripravuje magazín Živé.sk.

The Ultimate Guide for Americans Moving to Spain: Visas, Taxes, and Cross-Border Financial Planning By AIO Financial — Fee-Only Fiduciary Financial Planners Spain has quietly become one of the most popular destinations for Americans relocating abroad. The lifestyle is compelling — long lunches, walkable cities, world-class healthcare, sunshine, and a cost of living that, in many regions, runs 20–30% below comparable U.S. cities. But behind that lifestyle is a tax and regulatory system that can blindside Americans who move without proper planning. We work with U.S. expats every week at AIO Financial, and the same patterns keep showing up. People sell investments at exactly the wrong moment. They convert Roth IRAs and trigger Spanish tax bills they didn’t know existed. They open European brokerage accounts and accidentally buy PFICs. They miss the six-month window for the Beckham Law and lose six figures of potential tax savings. None of this is necessary. Almost every cross-border financial mistake we see is preventable with planning that starts twelve to eighteen months before the move — not after the boxes are unpacked in Valencia. This guide walks through what we believe every American family should understand before moving to Spain: the visa landscape after the Golden Visa was eliminated, how Spain actually taxes Americans (including the surprising treatment of Roth IRAs), what to do with your investments before you become a Spanish tax resident, and how to think about banking, currency, and cash transfers across borders. None of this is legal or tax advice for your specific situation, but it should give you a real working framework before you sit down with a cross-border specialist. Why Americans Are Moving to Spain Right Now The reasons people give us are remarkably consistent. They want better work-life balance. They want their kids to grow up bilingual. They’ve watched U.S. healthcare costs spiral and want a system that just works. They’re approaching retirement and the math on living in coastal Spain versus coastal Florida is hard to argue with. A few are motivated by political concerns; many simply want to live somewhere that feels less hurried. What makes Spain particularly attractive compared to other European destinations is the combination of a well-functioning Digital Nomad Visa, a meaningful (if imperfect) tax treaty with the United States, and a cost-of-living advantage that still holds up despite recent inflation. A single person can live comfortably in mid-sized Spanish cities like Valencia, Granada, or Málaga on roughly €1,600–€1,900 per month. Madrid and Barcelona cost more, but still less than San Francisco, Boston, or Seattle. The catch — and this is the part most relocation guides skip — is that Spain has a wealth tax, taxes worldwide income for residents, does not respect the U.S. tax-free status of Roth IRAs, and uses a fiscal-year structure that can leave new arrivals exposed to a full calendar year of Spanish taxation if they cross the 183-day threshold without realizing it. Done well, moving to Spain can be one of the best financial and lifestyle decisions a family makes. Done poorly, it can be a multi-year tax mess. Visa Pathways: What’s Available in 2026 Before any tax planning matters, you need legal residency. Spain offers several pathways for non-EU citizens, and the right one depends on whether you’re working, retired, or have substantial passive income. The Digital Nomad Visa (DNV) The Digital Nomad Visa, introduced under Spain’s 2023 Startup Act, has become the most popular route for working-age Americans. It allows non-EU remote workers — both employees of foreign companies and self-employed freelancers — to live legally in Spain while working for non-Spanish employers or clients. As of 2026, the income threshold is set at 200% of Spain’s Minimum Interprofessional Salary, which works out to approximately €2,850 per month, or roughly €34,200 per year. Most Spanish consulates recommend showing at least €3,000 monthly to account for currency fluctuations. If you’re applying with family, the income requirement increases. You’ll need to demonstrate an additional 75% of the SMI (about €1,035 per month) for your first dependent — typically a spouse — and 25% for each additional family member. A family of four moving together generally needs to show somewhere around €4,400 per month in qualifying income. The DNV initially issues a residence authorization valid for up to three years if applied for from within Spain, or a one-year visa if applied for through a Spanish consulate abroad. It can be renewed for additional periods, allowing total stays of up to five years, after which permanent residency becomes available. Citizenship is generally available after ten years of legal residency for U.S. nationals (two years for citizens of Latin American countries, the Philippines, Andorra, and a handful of others). Other key requirements include having worked with your current employer or clients for at least three months before applying, holding either a relevant university degree or three years of professional experience in your field, working for a company that has been in operation for at least one year, and earning no more than 20% of your income from Spanish sources. The application process typically takes four to five months. One important wrinkle for Americans: the U.S.–Spain Totalization Agreement does not currently cover remote work in the way that some other bilateral agreements do, so the U.S. Social Security Administration rarely issues Certificates of Coverage for DNV applicants. Most U.S. W-2 employees need to either get their employer to set up a Spanish “shadow payroll” arrangement, switch to 1099 contractor status and register as an autónomo (self-employed) in Spain, or accept that they’ll be paying into the Spanish social security system. This is a frequent friction point and is best resolved before the move, not after. The Non-Lucrative Visa (NLV) The Non-Lucrative Visa is the traditional retiree route — and increasingly used by Americans of any age with sufficient passive income. It explicitly does not permit working in Spain or remotely for any employer, which is its main limitation. As of 2026, applicants need to show approximately €2,400 per month (around €28,800 per year) in passive income or savings, with additional financial requirements for dependents. For genuinely retired Americans drawing Social Security, pension income, or living off investment portfolios, this is often the cleanest path. It comes with one substantial caveat that we’ll return to in the tax section: NLV holders are not eligible for the Beckham Law, so they pay full progressive Spanish tax rates on worldwide income from day one. The Golden Visa Is Gone If you’ve been planning around Spain’s Golden Visa — the residency-by-investment program that previously offered residency in exchange for a €500,000 real estate investment — that program ended in April 2025 as part of housing market reforms. New applications are no longer accepted. Existing Golden Visa holders retain their residency, but anyone considering this route now needs to look at alternative visas, or alternative countries (Portugal and Greece still operate similar programs, though Portugal’s no longer accepts real estate). The Highly Qualified Professional Visa For Americans being recruited by Spanish companies for skilled positions, the Highly Qualified Professional (HQP) Visa provides a path tied to a specific job offer. It’s typically valid for two years and renewable, and it qualifies the holder for the Beckham Law tax regime. This is less common for traditional relocation but matters for executives and engineers being hired into Spanish operations. Choosing Among Them In practice, most Americans we work with end up on either the DNV (if working remotely) or the NLV (if retired or financially independent). The choice has significant tax implications down the line, particularly around eligibility for the Beckham Law, which we’ll cover next. The Spanish Tax System: What Americans Actually Pay This is where most pre-move planning gets serious. Spain taxes its tax residents on worldwide income — meaning your U.S. dividends, your rental income from a property in Texas, your capital gains from selling Apple stock, all of it can be subject to Spanish tax. The U.S.–Spain tax treaty and the Foreign Tax Credit prevent most cases of literal double taxation, but the interaction between the two systems creates real planning challenges. When You Become a Tax Resident Spain considers you a tax resident if any one of three things is true: you spend more than 183 days in Spain during a calendar year, your “center of economic interests” is in Spain (meaning your primary income or main assets are there), or your spouse and minor children habitually live in Spain (a rebuttable presumption). The 183-day rule is the most common trigger, and importantly, sporadic absences count toward the total unless you can prove tax residency in another country. This matters because Spanish tax residency is binary and applies to the full calendar year. If you arrive in Spain on July 1 and stay through year-end, you’ve spent 184 days there and you’re a tax resident for the entire year — including January through June, when you were still living in the U.S. Smart timing of the move can save substantial tax. We often recommend arriving after July 2 in a given year, which keeps you under the 183-day threshold for that year and pushes Spanish tax residency to year two. Income Tax Brackets Spanish income tax (IRPF) is progressive and combines a national portion with a regional portion that varies by autonomous community. For 2026, the combined general rates run roughly: Up to €12,450: about 19% €12,451 to €20,200: about 24% €20,201 to €35,200: about 30% €35,201 to €60,000: about 37% €60,001 to €300,000: about 45% Over €300,000: about 47% Investment income — dividends, interest, capital gains, and rental income from investments — is taxed on a separate “savings” schedule: Up to €6,000: 19% €6,001 to €50,000: 21% €50,001 to €200,000: 23% €200,001 to €300,000: 27% Over €300,000: 30% For most American expats earning between €40,000 and €80,000 per year, the effective Spanish tax rate is about 25–33%, which is comparable to or slightly lower than combined U.S. federal and state taxes for the same income. The pain points aren’t usually the standard rates — they’re the wealth tax, the lack of Roth recognition, and Modelo 720 reporting. The Beckham Law: A Major Opportunity Spain’s “Beckham Law” — named for the soccer player who was its early high-profile beneficiary — allows qualifying newcomers to be taxed as non-residents for up to six years, despite physically living in Spain. Under this regime, you pay a flat 24% on Spanish-source employment income up to €600,000 per year (47% on amounts above that), and your foreign income is generally exempt from Spanish taxation. For an American earning €100,000 per year on a Digital Nomad Visa with an employment contract, the Beckham Law saves roughly €10,000 annually compared to standard progressive rates — and the savings grow rapidly at higher income levels. For someone earning €250,000, the savings can exceed €40,000 per year. The Beckham Law has strict requirements. You generally must not have been a Spanish tax resident in the previous five years, you must move to Spain because of an employment contract or to take on a directorship, and — critically — you must elect into the regime within six months of registering with Spanish Social Security. Miss that six-month window and you cannot opt in later. We’ve seen this mistake destroy tens of thousands of euros of potential tax savings. The regime is available to W-2 employees and DNV holders with employment contracts. It is not available to self-employed autónomos in most circumstances, nor to Non-Lucrative Visa holders. This is why your visa choice has such significant tax implications. The Wealth Tax This is the tax that most surprises Americans. Spain’s wealth tax (Impuesto sobre el Patrimonio) is an annual levy on net worth as of December 31 each year. Spanish tax residents pay on their worldwide assets; non-residents only pay on Spanish-located assets. The structure includes a national tax-free allowance of €700,000 per person (which means €1.4 million for a married couple holding assets jointly), plus an additional €300,000 exemption for your primary residence in Spain. Above those thresholds, rates run progressively from 0.2% to 3.5%, depending on total assets and the autonomous community where you reside. Regional variation matters enormously here. Madrid and Andalucía effectively eliminate the wealth tax through 100% regional bonifications, though the national-level Solidarity Tax on Large Fortunes still applies above €3 million in those regions. Catalonia, by contrast, applies the tax in full. If wealth tax exposure is a serious concern for your situation, the autonomous community you choose to live in becomes a meaningful planning variable. There’s also a Solidarity Tax on Large Fortunes, introduced in 2023, that applies to net wealth above €3 million and adds an additional 1.7% to 3.5% on assets above that threshold. It coordinates with regional wealth tax relief to provide a national floor, so even residents of Madrid pay it on assets above €3 million. Roth IRAs in Spain: A Critical Issue Here is one of the most important things for Americans to understand before moving: Spain does not respect the tax-free status of Roth IRAs. Under U.S. law, qualified Roth IRA distributions are entirely tax-free, since contributions were made with after-tax dollars. Spain doesn’t see it that way. The Spanish tax authority (Hacienda) classifies Roth IRA distributions as investment income — specifically, as income from movable capital — and taxes them at savings rates. The taxable portion is generally the gain (the increase in value over your contributions), not the entire distribution, but this still represents a substantial loss of the Roth’s core benefit. A 2022 binding consultation (V1291-22) clarified this treatment, and the same ruling generally requires Roth IRAs to be reported on Modelo 720 and included in wealth tax calculations. The strategic implications are significant. If you have a large Roth IRA and you’re moving to Spain, you may want to consider taking distributions before establishing Spanish tax residency, while distributions are still tax-free in both countries. After becoming a tax resident, every Roth IRA distribution will likely face Spanish tax on the embedded gains. The same applies to any Roth conversions you might be considering — generally you want these completed before the move, not after. Traditional 401(k) and IRA distributions are treated more conventionally as pension or general income in Spain, and they’re taxable in both countries with foreign tax credits relieving most of the double taxation. The U.S.–Spain treaty was updated by a protocol that entered into force in November 2019, and it improves the treatment of cross-border pensions in several ways, though it does not solve the Roth issue. Capital Gains and Investment Income For Spanish tax residents, capital gains on the sale of most U.S. securities (like stocks held in a brokerage account) are taxable in Spain at savings rates of 19% to 30%. Under the U.S.–Spain treaty, gains on the sale of shares are generally taxed only in the country of residence, with limited exceptions for real estate and substantial shareholdings, so the planning here is relatively clean: if you sell while a U.S. resident, you owe U.S. tax; if you sell while a Spanish resident, you owe Spanish tax. This creates a major pre-move planning opportunity. If you have substantial unrealized gains in your taxable investment accounts, the year before your move is a powerful window. You can harvest gains at U.S. long-term capital gains rates — which top out at 23.8% including the Net Investment Income Tax — rather than at Spanish savings tax rates that run as high as 30% above €300,000 in gains. For a portfolio with $500,000 in unrealized long-term gains, the difference can be tens of thousands of dollars. This is one of the most common planning moves we recommend for clients moving to Spain with appreciated portfolios. The strategy isn’t always to harvest. If you’re moving to a non-Beckham regime and your overall income will push you into Spain’s higher capital gains brackets later, harvesting now may be valuable. If you have low income in Spain and modest gains, the Spanish tax may actually be lower than your U.S. rate. The right answer depends on your specific numbers — which is exactly the kind of cross-border modeling a fee-only planner is well-positioned to do without bias. The Foreign Earned Income Exclusion and Foreign Tax Credit U.S. citizens are taxed on worldwide income regardless of where they live, so you’ll continue filing U.S. returns from Spain. Two main mechanisms prevent literal double taxation. The Foreign Earned Income Exclusion (FEIE), claimed on Form 2555, allows you to exclude up to $130,000 of foreign earned income from U.S. taxation for the 2025 tax year (the limit adjusts for inflation each year). Qualifying requires either the bona fide residence test or the physical presence test (330 full days outside the U.S. in any 12-month period). Importantly, the FEIE only covers earned income — wages and self-employment income — not investment income. The Foreign Tax Credit (FTC), claimed on Form 1116, gives you a dollar-for-dollar credit against U.S. taxes for income taxes paid to Spain. Because Spanish rates often exceed U.S. rates at higher income levels, most expats earning above the FEIE threshold find the FTC works better. Excess credits can be carried back one year and forward ten years. The choice between FEIE and FTC has secondary effects worth understanding. The FEIE can disqualify you from making Roth IRA contributions if it pushes your taxable U.S. income low enough. The FTC preserves earned income for IRA contribution purposes. For families with college-age children, the FEIE can also affect the calculation of education credits. Reporting Obligations: Modelo 720 and FBAR Spanish tax residents must file Modelo 720 each year, declaring foreign accounts, securities, and real estate that exceed €50,000 in any of three categories. The form is informational, not a tax return, but penalties for non-filing have historically been severe (though the European Court of Justice forced Spain to substantially soften them in 2022). The filing window is January 1 through March 31 each year for the prior year’s data. On the U.S. side, you’ll continue to file: FBAR (FinCEN Form 114): required when total foreign accounts exceed $10,000 at any point during the year. Form 8938 (FATCA): required when foreign financial assets exceed $200,000 at year-end or $300,000 at any point during the year for single filers living abroad ($400,000/$600,000 for married filing jointly). Form 8621: required for any PFIC holdings — more on this below. Form 8833: to disclose treaty positions. The reporting load is real but manageable with the right preparer. What gets people in trouble isn’t usually the difficulty of any single form — it’s not knowing the forms exist. Investments: What to Do Before You Become a Spanish Tax Resident This is the single most consequential financial planning area for Americans moving to Spain, and the area where pre-move action matters most. Once you’re a Spanish tax resident, your options narrow considerably. The window before that happens is when most of the high-leverage decisions get made. The Brokerage Account Problem A wave of U.S. brokerage firms — including Vanguard, Fidelity, Morgan Stanley, Merrill Lynch, Edward Jones, Ameriprise, TIAA, USAA, and others — have been restricting or closing accounts of U.S. citizens who update their address to a foreign country. The pace accelerated sharply in 2024 and 2025 as firms tightened compliance with anti-money-laundering and FATCA-related requirements. Some firms close accounts outright; others restrict trading to liquidating positions only; some allow continued holdings but block new purchases. The practical implications for someone planning to move to Spain are: Don’t update your address until you have a plan. Once your firm sees a Spanish address, you may have 30 to 60 days to make decisions under significant time pressure. Identify expat-friendly custodians in advance. Charles Schwab International and Interactive Brokers continue to serve U.S. expats in Spain with relatively few restrictions, and a handful of independent advisory firms maintain relationships with custodians who will hold accounts for U.S. citizens abroad — typically when those accounts are managed by the advisory firm rather than self-directed. Transfer assets in-kind, don’t liquidate. If you’re forced to move accounts, transferring securities directly between custodians avoids creating a tax event. Liquidating into cash can trigger massive unintended capital gains. We spend considerable time at AIO Financial helping clients structure their accounts to remain compliant and accessible from abroad. The best time to do this work is before the move. Why Local European Brokerages Are a Trap for Americans The natural instinct, once you’ve moved to Spain, is to open a Spanish or European brokerage account and invest locally. For non-Americans, this is fine. For U.S. citizens, it’s a tax catastrophe — because of the Passive Foreign Investment Company (PFIC) rules. Under U.S. tax law, virtually any non-U.S. pooled investment vehicle — every European mutual fund, every UCITS ETF, every European-domiciled index fund — is classified as a PFIC. The IRS designed PFIC rules to discourage Americans from investing in foreign funds that the IRS cannot easily audit, and the punishment is severe: PFICs are taxed at the highest ordinary income rates (currently up to 37%) on gains, with interest charges layered on top, and require an annual Form 8621 filing that can take a tax preparer several hours per fund to complete. There’s a Qualified Electing Fund (QEF) election that can avoid the worst of these rules, but it requires the foreign fund to provide an annual PFIC statement with very specific information. Almost no European fund managers produce these for retail investors, so QEF elections are theoretically available but practically impossible. The bottom line is straightforward: as a U.S. citizen living in Spain, you generally need to invest through a U.S. brokerage in U.S.-domiciled funds and ETFs. Buying European funds — even excellent, low-cost European index funds — turns a clean financial picture into a tax disaster. There’s a complicating wrinkle: EU MiFID II regulations restrict EU-resident investors from buying many U.S.-domiciled ETFs, because U.S. fund providers haven’t produced the EU-required Key Information Documents. Most U.S. expats in Europe end up holding individual stocks, ETFs purchased through expat-friendly U.S. brokerages, and pre-existing fund positions. Some use options strategies or structured workarounds. Working with a cross-border advisor who understands which products remain accessible matters here. Pre-Move Investment Moves to Consider Twelve to eighteen months before your move, the following are typically worth analyzing: Harvesting long-term capital gains. As discussed above, U.S. long-term gains rates often beat Spanish savings rates, and once you’re a Spanish resident, every sale potentially triggers Spanish tax. Strategically selling and rebuying appreciated positions in your final U.S. year can lock in U.S. tax treatment. Roth conversions. If you have meaningful traditional IRA balances and you’re not in a high U.S. tax bracket, completing Roth conversions before the move means the conversion is taxed at U.S. rates only. After the move, conversions get more complicated (and the resulting Roth doesn’t get U.S.-style tax-free treatment in Spain anyway). Roth distributions. For older clients with substantial Roth balances who plan to draw on them in retirement, taking distributions before becoming a Spanish tax resident captures the full Roth benefit. Once in Spain, the gain portion of every distribution is taxable. HSA decisions. Health Savings Accounts are not recognized by Spain. The income inside them is potentially taxable annually for Spanish tax residents. Some clients draw down HSAs before the move; others maintain them with the understanding that ongoing reporting and tax will apply. 529 plans. Similar issues. 529 plans aren’t recognized as tax-advantaged in Spain, and depending on the structure, may create ongoing Spanish tax liability. Drawing down 529s for U.S. educational use before the move, or restructuring them, is often part of the plan. Real estate decisions. Selling a U.S. primary residence before the move keeps the Section 121 exclusion ($250,000 single / $500,000 married) cleanly available under U.S. rules. Selling after the move adds Spanish tax considerations and can complicate the exclusion. Renting out the U.S. home while abroad creates ongoing reporting in both countries but can be the right answer for those who plan to return. Trust and estate review. U.S. revocable living trusts are not recognized as transparent in Spain — Spanish tax authorities may treat them as opaque foreign entities, which can create unexpected tax consequences. Estate plans drafted under U.S. assumptions often need substantial revision before a move. Should You Keep Investments in the U.S. or Move Them Abroad? For almost every American citizen moving to Spain, the answer is: keep your investments in the U.S. The combination of PFIC rules, EU MiFID II restrictions on U.S. ETFs, and the comparatively higher costs and lower transparency of European retail investing means that a U.S.-domiciled portfolio held at an expat-friendly U.S. brokerage is almost always the right structure. The exception is if you renounce U.S. citizenship — but that’s a separate, much larger conversation. What changes is what you hold and how you manage it. U.S.-domiciled ETFs and individual stocks remain the foundation. You may need to adjust around currency exposure (more on this below), tax-efficiency rules that differ between the two countries, and the loss of access to certain U.S. mutual funds that don’t allow non-resident purchases. Asset location — what you hold in Roth versus traditional versus taxable accounts — also looks different through a cross-border lens. Currency Considerations One question we get often: should you convert to euros once you move? The honest answer is “it depends on your time horizon and liabilities.” Most retirees and long-term residents in Spain end up with euro-denominated living expenses but dollar-denominated investments. Over time, this creates currency exposure: a 10% drop in the dollar means your investment portfolio buys 10% less in Spain. There are a few approaches we use with clients: Hold a euro cash reserve sufficient to cover 1–2 years of living expenses. This protects against short-term currency movements forcing investment sales at bad prices. Don’t try to time currency markets. Strategic currency hedging at the portfolio level is rarely worth the cost for individual investors. For larger portfolios, consider modest direct euro exposure through ETFs that hold European equities or international developed-market funds. Don’t overdo it — global diversification is good; concentrated currency bets are not. Moving Cash: How to Actually Get Money to Spain Getting funds across the Atlantic has gotten easier in recent years but still has friction points worth understanding. Wire Transfers vs. Money Service Providers Traditional bank wires from a U.S. bank to a Spanish bank work but are typically expensive — fees commonly run $25–$50 per outbound wire from the U.S. side, plus a poor exchange rate that often costs another 1–3% of the amount transferred. For a $100,000 transfer, that’s potentially $3,000+ in spread costs. Specialized providers like Wise (formerly TransferWise), OFX, and Revolut typically offer mid-market exchange rates with much lower fees, often under 0.5% all-in. For larger transfers, a foreign exchange broker can negotiate even better rates, sometimes with a forward contract that locks in the exchange rate for a specific future date — useful when you’re closing on a Spanish property and want to know exactly how many dollars the euro purchase price will cost. For most cross-Atlantic transfers under $250,000, Wise is the simplest and lowest-cost option. Above that, dedicated FX brokers start to make sense. Spanish Bank Accounts You’ll need a Spanish bank account for daily living. The traditional banks (CaixaBank, BBVA, Santander) all offer non-resident accounts you can open before establishing residency, though increasingly they want to see your NIE (Spanish foreigner identification number) or your visa. Newer digital banks like N26 and Revolut are popular with expats for their lower fees and English-language interfaces, though some Spanish landlords and employers still prefer traditional banks. A common approach: open a basic non-resident account at a major Spanish bank for housing transactions and government payments, plus a Wise multicurrency account for receiving USD income and converting to EUR efficiently. Reporting Large Transfers Both U.S. and Spanish authorities track large cross-border transfers. On the U.S. side, transfers over $10,000 are reported automatically by your bank to FinCEN. On the Spanish side, banks report incoming international transfers to the Banco de España and tax authorities. None of this is illegal or problematic — but if you’re moving $400,000 to buy a house in Valencia, expect both sides to know, and don’t structure transfers in ways that look like you’re trying to avoid reporting (which is itself a U.S. federal crime). Cash Buffer for the First Year We typically recommend clients have at least six months — preferably twelve months — of Spanish living expenses available in liquid form before the move, in addition to their long-term investment portfolio. The first year in Spain comes with surprise costs: temporary housing, deposits, immigration fees, legal and tax advisor fees, furniture, car purchases, healthcare deposits. Having a cash buffer means none of this requires selling investments at a bad time or running up debt at unfavorable rates. Healthcare, Insurance, and Social Security Spain has one of the better healthcare systems in the developed world, but accessing it as a new arrival requires planning. Most visa categories require private health insurance during the application process and typically through the first year of residency. Standard policies from companies like Adeslas, Sanitas, and Asisa run €60–€150 per month per person depending on age and coverage level. After establishing residency and (for those working in Spain) contributing to Spanish Social Security, you become eligible for the public system, which is generally excellent. For Americans on Medicare, Medicare does not cover care received in Spain. Some retirees maintain Medicare and pay the Part B premiums in case they return to the U.S.; others let it lapse. Reactivation comes with late-enrollment penalties, so this decision deserves careful thought before it’s made. U.S. Social Security retirement benefits continue to be paid to U.S. citizens living in Spain, and the U.S.–Spain Totalization Agreement helps prevent dual social security taxation for many work situations. Working in Spain also generates Spanish social security credits that may eventually qualify you for Spanish retirement benefits, though qualification typically requires fifteen or more years of contributions. Estate Planning Across Borders This is the area most often deferred — and most often regretted. U.S. estate plans drafted assuming U.S. residence rarely work cleanly in Spain. Spain has its own inheritance and gift tax (Impuesto sobre Sucesiones y Donaciones) that applies to Spanish residents and to inheritances of Spanish-located assets. National rates run from 7.65% to 34%, with multipliers based on the relationship between the deceased and the beneficiary. Autonomous communities have wide latitude to set their own rates and bonifications, so effective rates vary enormously: in Madrid, Andalucía, and several other regions, close family members pay almost nothing; in others, rates approach the national maximum. Spanish forced heirship rules also differ from U.S. rules. Spain reserves a legitimate portion of an estate for certain heirs (typically children), which can override testamentary wishes expressed in a U.S. will. EU Regulation 650/2012 allows you to elect U.S. (or your nationality’s) law to govern your succession, but this election generally must be made explicitly in your will and is not automatic. Revocable living trusts, the workhorse of U.S. estate planning, are not transparent in Spain. The Spanish tax authority may treat the trust as a separate opaque entity, which can create unexpected income tax during life and complicate inheritance treatment at death. Many cross-border families need to revise or replace their trust structure before the move. Practical recommendations: consult a Spanish abogado experienced in cross-border estate planning before the move. Have a Spanish will (separate from your U.S. will) covering Spanish-located assets. Make explicit choice-of-law elections under EU Regulation 650/2012. Review beneficiary designations on all U.S. accounts to ensure they still make sense. Lifestyle Costs: What Spain Actually Costs in 2026 A rough framework for Spanish living costs in 2026, by region: Mid-sized cities (Valencia, Granada, Málaga, Seville, Zaragoza): A comfortable lifestyle for a single person runs €1,800–€2,500 per month including rent for a one-bedroom in a desirable neighborhood. A couple typically lives well on €3,000–€4,500 per month. Madrid and Barcelona: Add 30–50% to the above. A nice one-bedroom in central Madrid runs €1,400–€2,000 per month; in Barcelona, €1,500–€2,200. Total monthly costs for a single person comfortably range €2,800–€4,000. Coastal premium areas (Marbella, Ibiza, parts of Mallorca): Closer to U.S. coastal city costs, especially in summer months. Expect €4,000+ monthly for comfortable single living, often €6,000+ for couples. Rural and smaller towns: Substantially lower. Many Americans report living comfortably in Spanish villages or small cities for €1,500–€2,000 monthly per person, including rent. These figures cover housing, food, utilities, transport, basic entertainment, and private health insurance. They don’t include big-ticket items like a car purchase, international travel, or major medical events. A Practical Pre-Move Timeline For a hypothetical move twelve to eighteen months in the future, here’s the timeline we generally recommend: T-18 to T-12 months: Strategic planning. Engage a U.S.-side cross-border financial planner and a Spanish abogado/tax specialist. Decide on visa pathway. Begin tax-projection modeling. Identify which U.S. accounts will move and which custodians can serve you abroad. Begin Spanish language study if you haven’t already. T-12 to T-9 months: Big financial moves. If indicated, complete Roth conversions. Begin strategic gain harvesting in taxable accounts. Review 529 and HSA balances for pre-move decisions. Decide on U.S. real estate (sell, rent, or hold). Update estate documents. T-9 to T-6 months: Visa application. Gather documents, get FBI background check apostilled, prepare income documentation, file the visa application. (Application processing typically takes 4–5 months.) T-6 to T-3 months: Logistics. Arrange international moving company. Begin planning what to ship versus sell versus store. Open expat-friendly U.S. brokerage account if needed. Open Spanish non-resident bank account if possible. Identify Spanish housing for the first 3–6 months. T-3 months to move date: Execution. Final tax planning moves. Cancel U.S. utilities, services, insurance. Notify employer if working remotely. Confirm all Spanish appointments (NIE, padrón, visa pickup). Time the actual move date for tax efficiency — generally after July 2 in any given calendar year if circumstances permit. T-0 to T+6 months in Spain: Settling in. Register with local padrón. Apply for Tarjeta de Identidad de Extranjero (TIE). Set up Spanish utilities, internet, healthcare. Critically: file Beckham Law election within 6 months of Social Security registration if eligible. Begin Spanish tax registration with AEAT. T+12 months: First Spanish tax return. File first IRPF return for the partial year (if applicable). Review and adjust ongoing tax strategy based on actual income realized. How AIO Financial Works With Cross-Border Clients At AIO Financial, our work with Americans moving to Spain is fundamentally about reducing the cost of bad surprises. We are a fee-only fiduciary firm — meaning we receive no commissions, no kickbacks, no revenue from any product we recommend. Our clients pay us directly, and we work only for them. That structure matters especially for international moves, where the financial services industry’s commission-based incentives often push expats into expensive insurance products and PFIC-laden offshore structures that primarily benefit the salesperson. Our typical engagement with a Spain-bound client involves an initial deep planning phase eight to twelve months before the move, then transition support during the move itself, then ongoing investment management and annual planning review once settled. We coordinate with Spanish tax counsel and U.S. expat tax preparers — we don’t replace them, but we make sure all the pieces fit together. We help clients maintain compliant U.S. brokerage relationships from abroad through our institutional arrangements. We don’t claim to be everything. We’re not Spanish lawyers or accountants. We don’t handle Spanish tax filings ourselves. Spain’s gestores and Spanish tax advisors handle that side of the picture. Our role is the U.S.-side planning and the cross-border coordination — making sure the two systems work together rather than against each other for our clients. The Bottom Line Moving to Spain can be one of the best financial and lifestyle decisions an American family makes. It can also be one of the most expensive, depending on how the planning goes. The difference is rarely about how much money you have — it’s about how much advance planning you do. The tax rates aren’t usually the killer. Spain isn’t dramatically more expensive than the U.S. on income tax for most middle-income families. What costs people money is the avoidable mistakes: missing the Beckham Law deadline, holding the wrong type of investments, triggering U.S. capital gains in Spain when they could have been harvested at home, getting blindsided by Modelo 720 reporting, ending up in a high-wealth-tax region without realizing it. Almost all of these are preventable. The work to prevent them mostly happens twelve to eighteen months before the plane takes off, not after. If you’re seriously considering Spain, the time to start the financial planning conversation is now. AIO Financial is a fee-only fiduciary financial planning firm registered with the SEC, headquartered in Tucson, Arizona, and serving clients virtually across the United States and abroad. We specialize in expat financial planning, sustainable and impact investing, retirement planning, and tax-aware investment management. We earn no commissions, sell no products, and are compensated only by our clients. To discuss your situation, visit aiofinancial.com or contact us at 520-325-0769. This guide is for educational purposes only and is not legal, tax, or investment advice. Tax laws and visa rules change frequently. The figures, thresholds, and rates cited reflect our understanding as of early 2026 and are subject to change. Please consult qualified U.S. and Spanish professionals about your specific situation before making cross-border financial or relocation decisions.

¿Estilismo o confort? ¿Modas pasajeras o fondo de armario? ¿Arreglarse para ir a hacer la compra… o plantarte en el súper en crocs y chándal pero con la actitud de una celebrity en la MET Gala? Juan Avellaneda se sienta en la mesa de Poco se Habla! para destripar, sin anestesia, los entresijos del mundo de la moda: desde bolsos de coleccionista en los que no cabe ni el móvil hasta balaclavas que servirían para robar un banco, pasando por los zapatos Tabi, los camel toes y ese revival constante de los 2000 que nadie pidió y que honestamente, no hace justicia a las pintas que llevábamos por entonces.Un episodio con bastante veneno estilístico, opiniones que escuecen un poco y muchas verdades incómodas que te recuerda que a veces es mejor no comprarse todas esas prendas que juraste no ponerte jamás. Porque sí, la moda cambia, evoluciona y se reinventa… pero tú sigues cayendo. Y lo sabes. Aunque por ahora, mientras no vuelvan a ponerse de moda los pantalones pitillo… todo bien.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Hay un tipo de información que no informa absolutamente de nada… pero que no puedes dejar de consumir. Esa mezcla perfecta entre cotilleo, titulares reciclados y datos irrelevantes que, por algún motivo, te sabes mejor que tu grupo sanguíneo. Porque vale, igual no sabemos nada de las cosas relevantes… pero sabemos perfectamente qué hamburguesa se ha pedido la Princesa Leonor y a qué charcutería va Georgina Rodríguez y oye, prioridades.En este episodio de Poco se Habla! nos sentamos con Nuria Secret para meternos de lleno en ese universo donde el periodismo serio convive con el copia y pega, los titulares inflados y los romances pasajeros. Hablamos de cómo hemos pasado de informarnos a picotear contenido como si todo fuera un gran buffet de salseo: un poco de Felipe VI y Letizia Ortiz por aquí, una pizca de realeza internacional por allá, y un poquito de Blake Lively y Justin Baldoni para avivar la llama.Un episodio con mucho nombre propio, bastante ironía y un poquito de miedo a recibir algún burofax de P.C.. Porque sí, el periodismo del corazón siempre ha existido, pero ahora juega en otra liga: la del click inmediato, la curiosidad absurda y el “solo un ratito de TikTok” que acaban siendo tres horas.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Hay una parte de las redes sociales que parece invisible, pero lo condiciona todo: la sensación constante de que siempre hay alguien mirando, esperando, opinando. Como si el silencio no fuera una opción. Como si no publicar, no reaccionar o no estar presente fuera casi desaparecer. Y en ese bucle, lo personal y lo profesional se mezclan hasta que ya no sabes si estás compartiendo porque quieres… o porque toca.En este episodio de Poco se habla nos sentamos con Nuria Casas para hablar de lo que implica realmente vivir de internet. De cómo el algoritmo no es una teoría, sino una presión diaria. De esa vocecita que te pregunta si estás aprovechando bien tu tiempo o si deberías estar creando algo más. Porque cuando tu trabajo depende de estar presente, desconectar no es solo difícil: es casi contradictorio.¿Ser influencer es tener el control… o vivir pendiente de no perderlo? ¿Subes porque te apetece o porque si no subes, desapareces? ¿Y en qué momento tu vida deja de ser tuya para convertirse en contenido? Un episodio que le da la vuelta a todo eso de “vivir de las redes” y lo deja bastante claro: que sí, es un negocio… pero a veces el producto también eres tú.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Hay días en los que no haces absolutamente nada… y aun así acabas agotado. No de cansancio físico, sino de culpa. Porque parar suena muy bien en teoría, pero en la práctica siempre hay algo que “deberías” estar haciendo mejor, más rápido o más productivo. Y así, descansar se convierte en otra cosa más que gestionar.En este episodio de Poco se habla nos sentamos con Nieves Herrero para hablar de esa obsesión tan moderna de no parar nunca, de trabajar incluso cuando no estás trabajando y de lo difícil que es desconectar cuando tu identidad va tan ligada a lo que haces . Porque cuando te apasiona lo tuyo… la línea entre vocación y agotamiento se vuelve peligrosamente fina.¿Parar es perder el tiempo? ¿La jubilación es descanso o crisis? ¿Sabemos disfrutar sin sentir que estamos siendo poco útiles? Un episodio en el que aceptamos algo bastante incómodo: igual no es que tengamos mucho que hacer… es que no sabemos dejar de hacerlo.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Die Welt der Audio-KI erlebt einen beispiellosen Boom. ElevenLabs hat innerhalb von nur einem Jahr den Sprung von einer auf elf Milliarden US-Dollar Bewertung geschafft, der Umsatz (ARR) ist in fünf Monaten von 200 auf 300 Millionen US-Dollar gestiegen. In dieser Folge spricht Sebastian Voigt mit Yanek Brinkmann, Go-To-Market Director DACH von ElevenLabs, über ein Unternehmen, das eigene Foundation-Modelle für Speech-to-Text, Text-to-Speech, Soundeffekte, Musik – und alles, was mit Audio zu tun hat – entwickelt. Während prominente Creators wie MrBeast oder Lex Fridman die Technologie nutzen, um Content vollautomatisiert in Dutzende Sprachen zu übersetzen, integrieren Konzerne wie die Deutsche Telekom oder Klarna die KI-Agenten in ihren Kundensupport. Im Gespräch geht es um das Preis-und Geschäftsmodell, das aus einer Credit- und Preis-pro-Minute-Logik besteht und ähnlich wie eine „In-Game-Currency“ funktioniert. Zudem erklärt Yanek, was es mit dem „Iconic Marketplace“ auf sich hat und wie Ihr James Dean oder Judy Garland für Eure nächsten Werbekampagne buchen könnt. Außerdem in der Folge: Wie ein Inkasso-Dienstleister durch automatisierte Outbound-Calls 30 Millionen Euro Zusatzumsatz generierte und wieso Yaneks Teamkollegen nur noch mit ihren Laptops sprechen, anstatt zu tippen. Und wer einen Preis-Fail, eine Verbraucherfalle oder einen starken Spartipp entdeckt hat, kann Frank gerne per Mail schreiben: sparfochs@bild.de . Über den Gast  Yanek Brinkmann ist Go-To-Market Director DACH bei ElevenLabs und verantwortet den Ausbau des KI-Unternehmens im deutschsprachigen Raum. Zuvor war er bei Amazon Web Services im Startup-Team tätig und begleitete heutige Unicorns wie N26 oder Delivery Hero. Er sammelte zudem eigene Gründungserfahrung und war bei einem Corporate Venture Builder tätig.

A veces ser buena persona está genial… pero hay otras en las que necesitas un poquito de picaresca. Porque ayudar está bien, sí, pero espabilar está que te cagas, y a lo mejor ahí está la clave para tener siempre la respuesta perfecta en el momento perfecto… y no acabar teniendo discusiones imaginarias en la ducha.En este episodio nos sentamos con Àngel Llàcer para hablar de esa línea tan fina entre la bondad y la falsa humildad, de poder contestar a la gente sin sentir que estás cometiendo un delito, de los traumas heredados (gracias, padres) y de ese vacío espiritual que aparece cuando menos te lo esperas y que tiene el mundo infestado de gurús.¿A favor o en contra de la depilación masculina? ¿Team Leire o Team Amaia? ¿Saber decir que no… o perfeccionar el arte de mirar hacia otro lado? Un episodio donde abrimos melones, divagamos sin control y nos vamos por las ramas para llegar a una única conclusión: si en un país multicolor nació una abeja bajo el sol… en el País Vasco nació la Abeja Amaia

Criar con calma, validar emociones, acompañar desde la empatía… todo suena increíble hasta que estás en un avión con un niño gritando a pleno pulmón y tú repasando mentalmente en qué momento decidiste no ser de las que “simplemente ponían la tablet”. Porque claro, la teoría es una cosa… y el berrinche en directo, otra bastante distinta.En este episodio nos metemos en ese terreno resbaladizo que es la crianza real: dudas constantes sobre si lo estás haciendo bien y ese equilibrio imposible entre no sobreproteger… pero tampoco quedarte corta. Hablamos de niños que lloran, de padres que intentan mantener la compostura, y de decisiones que cambian según el día, la energía… y el nivel de paciencia disponible.Porque no hay una única forma correcta de hacerlo, pero sí muchas situaciones que te ponen a prueba. Y entre validar emociones y sobrevivir al momento, a veces la línea es más fina de lo que nos gustaría. Así que si alguna vez has pasado de la pedagogía respetuosa al lanzamiento de zapatilla, este episodio es para ti.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Immer freitags analysieren wir in unserem „Wochen-Podcast“ aktuelle Entwicklungen in der deutschen Banken-, Fintech- und Payment-Branche. Diesmal haben sich unser Redakteur Christian Kirchner und „Payment & Banking“-Experte Jochen Siegert den folgenden Themen gewidmet: #1: Die Zinsen steigen, aber die Einlagenkunden merken's nicht – wie unsere Banken gerade wieder an der Marge schrauben #2: Die Deutsche Bank hält an der Girocard fest. Weil der Kunde das so will, oder weil es politisch nicht anders geht? #3: Wholesale vs. Retail CBDC – was hinterm Shift in der Payment-Strategie der EZB steckt #4: Der Streit um das Altersvorsorge-Depot – verzerrt der Staat den Wettbewerb oder belebt er ihn womöglich sogar? #5: Revolut hat letztes Jahr in Deutschland rund 800.000 neue Kunden gewonnen. Was sind das für Kunden? #6: Bei allem Hype um Revolut – wenn man die Konto-Angebote nebeneinander legt, ist N26 auch nicht schlechter #7: Manche Banken haben gar keine Lösung für die CEO-Nachfolge – die Deutsche Bank hat jetzt gleich zwei == Fragen und Feedback zum Podcast: redaktion@finanz-szene.de oder (auch anonym) über Threema: TKUYV5Z6 Redaktion und Host: Christian Kirchner/Finanz-Szene.de Coverdesign: Elida Atelier, Hamburg Postproduction: Podstars Hamburg Musik: Liturgy of the street / Shane Ivers - www.silvermansound.com

Hay un momento en la vida en el que te sientas frente a Juanes y decides que tu personalidad, a partir de ahora, va a ser decir “qué chimba, hijueputa” con total naturalidad, como si no llevaras toda la vida diciendo “joder, tío”. ¿Será esto la señal definitiva de que nada de esto ha sido una ilusión…. y Juanes va a apadrinarnos de verdad?Este episodio va de cruzar el charco sin moverte del sitio, de Colombia vs España, de lo que cambia el mood según el acento y de lo fácil que es enamorarse de un país cuando lo visitas… o cuando te lo cuentan bien. Hablamos de viajes, de esa fantasía de hacer las cosas a lo grande y de lo que más diferencia a los seres humanos: ¿eres de motel con cortinilla en la ducha o de hotel con carta de almohadas? ¿A favor o en contra de la moqueta?Lo que está claro es que aquí nos morimos de ganas por sacarnos un billete de avión y poner rumbo a Latinoamérica, pero con una única condición: we don't flight commercial!✈️​Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Dicen que las primeras citas sirven para conocerse… pero en realidad son más bien un campo de pruebas donde todo cuenta: lo que dices, lo que callas y hasta cómo miras el móvil. Porque sí, todos vamos con nuestra mejor versión, aunque a veces esa versión dure exactamente lo que tarda en llegar la cuenta.En este episodio de Poco se Habla! nos sentamos con Galder Varas para meternos de lleno en ese terreno raro que son las citas. Hablamos de expectativas que se vienen arriba, de planes en la Tagliatella que podrían ser románticos o una trampa, de amigos en standby por si hay que hacer una salida digna… y de esa gente que en Tinder parece una persona completamente distinta (y no precisamente a mejor).Porque en el amor no hay reglas claras ni manuales que te salven, pero sí muchas pequeñas decisiones que pueden marcar si hay segunda cita… o si toca hacer ghosting.Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Camisetas con la cara del novio, tutús, penes en la cabeza, planes imposibles, beber hasta perder el conocimiento y putear al protagonista hasta el punto de preguntarte si ahí sigue habiendo amistad… o si todo esto ha sido, en realidad, una excusa colectiva para vengarse. Hoy en Poco se habla! abrimos el melón de las despedidas de soltero con la única persona capaz de casar a un amigo montado a caballo o de organizar la despedida de Joaquín Reyes: ¡Ernesto Sevilla! ¿Es Albacete la capital de las despedidas? ¿Deberíamos normalizar llevar penes en la cabeza también en el día a día? ¿Alguna vez se os ha ido tanto de las manos que habéis acabado… besando una almorrana? Preparad el megáfono y los vasos de chupito porque se viene un programón de estos que dejan resaca. ¡Que viva el novio!

Hay gente que dice que en España ya no hay prejuicios… y gente a la que le ha costado el doble demostrar quiénes son. Porque hablar de tradiciones ajenas nos encanta, pero entenderlas ya nos cuesta un poquito más. Y opinar, eso sí, opinamos todos.Hoy en Poco se habla nos sentamos con Noemí Salazar, indiscutible reina del brillo y protagonista de los Gipsy Kings, para hablar de lo que significa pertenecer a la comunidad gitana, de tradiciones que muchos comentan pero pocos conocen, de los estereotipos y del racismo, del sutil y del que ya no tiene nada de sutil. Pero también hablamos de familia, de lealtades y de vivir la vida siendo protagonista de un reality.Porque si algo tenemos claro es que aquí no venimos a señalar, venimos a entender. Así que abre bien los oídos, que este episodio no es para mirar desde fuera, ¡sino para escuchar desde dentro!Llévate hasta 50€ por la cara al pasarte a N26, nuestro banco de confianza, con el código POCOSEHABLAN26: ⁠https://shorturl.at/ls9bc

Europe does not have a deep tech problem. It has a commercialisation problem.The last European companies to reach €100B+ market caps were SAP and ASML, both founded 40–50 years ago. If Europe wants a new generation of deep tech champions, venture capital alone won't get us there. Customers have to step in.In this episode, Andreas Munk Holm is joined by Martin Schilling, former operator, investor, and founder of Deep Tech Momentum, to unpack why Europe excels at funding breakthroughs, but consistently fails to industrialise them.This is a conversation about:why enterprise buyers are the missing link in European deep techwhat corporates are doing wrong (and how they can fix it)how founders actually win large customers in complex, regulated marketsand why courage — not grants — is Europe's real constraintShare

Hay dos tipos de personas: las que se emocionan cuando les invitan a una boda… y las que abren la app del banco y se echan a llorar antes de confirmar su asistencia. Porque el amor es precioso, sí… pero el sobre pesa. ¿Cuánto se paga ahora? ¿Está el precio del cubierto subiendo tanto como el de la vivienda? ¿Hay tarifa plana si vas con acompañante o sigue sin existir el pack pareja?Porque esto de las bodas se nos está yendo de las manos, y lo que un día fue normalizar lo del número de cuenta en las invitaciones, mañana puede convertirse en un QR directo a la pasarela de pago. Pero si te han invitado a mil bodas este año tranquilo, porque no está todo perdido: siempre nos quedarán los regalos de Vinted, reclamarle el dinero a esa amiga que se acaba de divorciar… e incluso regalarles a los novios una actuación de Leticia Sabater.Ajústate la Pamela, Mari, ¡que casarse con este episodio es gratis!

No, no es fácil ser Grison. Pero tampoco es fácil vivir pensando que te vas a morir si no cuentas las repeticiones en el gimnasio o las baldosas de la calle. Hablar sin pensar, imaginar qué pasaría si metieras la mano en la batidora o negarte a coger la última manzana que queda en el supermercado. A veces el cerebro se pone rarísimo, pero tranqui, que no hemos venido a darte una charla de neurociencia.Pensamientos intrusivos, sueños surrealistas y manías que, aunque no lo reconozcas, tú también tienes. Arrancamos nueva temporada por todo lo alto, diciendo lo primero que se nos pasa por la cabeza, manifestando un buen meneo con Jordi Elordi y hablando del churro de Grison… de su época de churrero, claro.Abróchate el cinturón, Mari, ¡porque se vienen curvas! Bienvenidos a la octava temporada de Poco se Habla!

In dieser Episode geht es darum, wie die Chancen auf einen Neustart von N26 stehen und ob sich die Neobank noch gegen Trade Republic und Revolut behaupten kann.

Mathias is Head of Data for Marketing at N26, the Berlin-based neobank valued at over $9 billion. He joined as a Senior Data Analyst in May 2020 and has since scaled the team to 12 people.We cover :

Die Neobank Vivid galt lange als ernstzunehmender Angreifer von N26 und Revolut. Mit aggressivem Marketing konnte das Berliner Fintech von Gründer Alexander Emeshev schnell wachsen und erhielt hohe Investments von Softbank und Ribbit – zu einer Bewertung von 750 Millionen Euro. Doch vor rund einem Jahr beschloss Emeshev einen radikalen Schritt und fuhr das Marketing für Endkunden komplett herunter. Seitdem fokussiert sich Vivid auf Geschäftskunden – und die Zahlen können sich sehen lassen: 100.000 Firmenkunden nutzen das Geschäftskonto. Nun tritt Vivid wieder mit aggressiven Angeboten im Markt auf und will sich gegen Fintechs wie Finom und Qonto durchsetzen. Über seine großen Pläne, die hohe Bewertung aus Hype-Zeiten und die Hintergründe des Pivots hat Redakteur Caspar Schlenk mit Alexander Emeshev gesprochen. Hier geht es zu unseren Werbepartnern: https://linktr.ee/ffwdpodcast

Glauco, the Research Lead at N26, reflects on his transition from an individual contributor to a UX research leader and the mindset shifts that come with scaling impact through others. He discusses why deep, insightful research is no longer enough on its own, and why today's researchers must balance slow, foundational work with fast, highly actionable outputs. Glauco also explores how AI can support UX leadership and how context, strategy, and personal research philosophy help shape strong, modern research teams.

Heute ist Montag, der 15. Dezember und Peter Bloed und Johannes Bauer sprechen über den Höhenflug einer alten Dame, neuen Ärger für N26 durch die Finanzaufsicht und wie Chinas wirtschaftliche Schwäche zur Chance für die EU wird. ------ Ihr habt Fragen, schreibt uns an: missionmoney@focus-money.de Alle wichtigen Links: https://wonderl.ink/@mission_money

Der Bieterwettstreit um Warner wird zum filmreifen Hollywood-Drama mit politischer Dimension. Und: Die Neobank Revolut will zum J.P. Morgan der digitalen Bankenwelt werden.

Welcome back to another episode of Upside at the EUVC Podcast, where ⁠Dan Bowyer⁠,⁠ Mads Jensen⁠ of ⁠SuperSeed⁠, ⁠Lomax Ward⁠ of ⁠Outsized Ventures⁠⁠⁠, and this week's special guest Robin Haak break down the real stories behind the headlines shaping European tech and venture.Robin joins us as the founder of Robin Capital, an early employee at SmartRecruiters, angel in 100+ companies, including eight unicorns, and one of the most active emerging GPs in Europe. He brings deep operator insight, especially into the German ecosystem, politics, and economy, which this episode leans heavily into.We cover everything from UK policy signals to German recession warnings, AI dominance to Europe's bureaucratic drag, the rise of solo GPs, and why the next decade of tech will be won or lost on energy availability more than anything else.What's covered:04:00 EU wants to restrict social media for minorsThe team debates the proposals to ban or limit social media for children under 16, the mental health case, and the tension between safety and overreach.06:00 Surveillance creep & messaging regulationRobin explains concerning drafts that would've allowed governments to read private messages. The group breaks down the slippery slope of “protect the children” legislation.10:00 UK Budget: surprisingly startup-friendlyDan and Lomax unpack EMI reforms, EIS/VCT clarity, and why the market reacted calmly. Signals of a more innovation-forward UK emerge.12:45 Lovable.ai's VAT scandal & Europe's compliance mazeA Swedish engineer's viral post on LinkedIn sparks a discussion on Europe's inconsistent VAT rules, compliance complexity, and whether hypergrowth and European regulation can co-exist.17:00 N26's long struggle with German regulatorsRobin, an early angel, offers an insider's view on the fintech's challenges—BaFin restrictions, governance issues, and the counterfactual: “Would N26 be worth €20B if it were French?”20:00 Germany's big macro problem: stagnation + overloadA brutally honest breakdown of the German economy: energy scarcity, migration overload, rising welfare costs, labor shortages, and political paralysis.28:00 Education, welfare, pensions & the cost structure crisisRobin explains why Germany's systems are buckling: the collapse of PISA scores, overloaded municipalities, and an economic model no longer supported by productivity.33:00 Nuclear shutdowns & Europe's AI energy deficitWhy Germany shut down its safest reactors, how it backfired, and why France and the Nordics will become the new AI infrastructure hubs.40:00 Startup ecosystem: the good, the bad, the bureaucraticFrom Munich's deep tech boom to notary nightmares, ESOP fixes, GmbH limitations, and how founders are learning to hack the system.55:00 The rise of Solo GPsThe team discusses the American roots, European trajectory, operator funds, fund-of-funds appetite, and why founders increasingly prefer solo GPs.01:00:00 AI CornerOpenAI's trillion-dollar capex future, Google's TPU resurgence, Anthropic momentum, Michael Burry shorting AI (and why it's misguided), and the geopolitics of compute.

Jochen Siegert und André Bajorat sprechen über ein großes Datenleck, die Zukunft von Wero und wie Paypal seine Herausforderungen meistern könnte. Und dann geht es natürlich noch um N26. 

On this episode, I speak to Georgie Smallwood. Georgie is Chief Product, Technology & Data Officer at Moonpig - the UK's best-known online gifting and greeting card platform. Georgie has built a global career leading product and technology teams at companies like N26, Xero, and Tier Mobility, before joining Moonpig to help transform a 25-year-old household brand into a modern, tech-driven organisation. In this interview, she talks about what it means to create "moments that matter", how Moonpig balances emotional connection with innovation, and how to lead when you're responsible for product, tech and data all at once. We cover a lot, including: Making technology more human: Georgie believes technology should make the world smaller, not bigger - by connecting people, not distancing them. At Moonpig, the goal isn't just to sell cards or gifts, but to help people express love and connection through meaningful gestures. Product with purpose: Moonpig's mission is to be “the world's greatest gifting companion.” Every card printed represents a moment of love, humour, or memory between people. Georgie sees product management at Moonpig as building moments that matter, not just features. Balancing connection and innovation: Moonpig has embraced AI and personalisation, but Georgie cautions against rushing ahead for technology's sake. Instead, the team focuses on introducing innovation in a way that feels natural and accessible to mass-market users. Leading product, technology, and data together: As CPTDO, Georgie bridges three major domains. She admits she's not a data scientist or engineer, but focuses on seeking to understand - asking open questions, learning continuously, and leading through consistency rather than control. On empowerment and leadership: While she values empowered teams, Georgie is pragmatic about balancing autonomy with business realities. She also believes true innovation needs governance, not chaos. Check out Moonpig Check out Moonpig's website: http://moonpig.com/, or their careers page: https://www.moonpig.group/careers/. Connect with Georgie You can connect with Georgie on LinkedIn: https://www.linkedin.com/in/georginasmallwood/.

Conclusión del estudio que acaba de llevarse a cabo por parte de Advantere School of Management para el banco online N26. Con Antón Díez, su director general.

Deutsche Bank und Commerzbank - die Aktien der beiden größten deutschen Privatbanken haben seit Jahresbeginn mit +82% und +114% stark zugelegt. Nun steigt aus mehreren Gründen aber auch das Risiko. „Die deutsche Bankwirtschaft hat ihre Hausaufgaben gemacht. Nach der Finanzkrise gab es ja Knüppel aus dem Sack von der Politik. Man hatte gemeint, man müsse die Schuld der Schuldenkrise, den Banken in die Schuhe schieben und hat sie drangsaliert. Sie haben ihre Bereiche neu strukturiert. Und natürlich wird auch mal die Luft rausgelassen, wenn die Banken stark an den Märkten gelaufen sind", so Robert Halver. Der Experte von der Baader Bank weiter über die Smartphone-Bank N26: „Wir bauchen europäische Champions. Man darf nicht alle Kronjuwelen abgeben. Man kann sich auch kaputt regulieren. Wichtig ist, dass man im Wettbewerb mit anderen Regionen konkurriert. Man muss auch mal frische Luft reinlassen. "Alle Details im Interview von Inside Wirtschaft-Chefredakteur Manuel Koch an der Frankfurter Börse und auf https://inside-wirtschaft.de

Ein neuer Bafin-Hammer, fustrierte Investoren und eine fragile Zwischenlösung: Bei N26, einem der wertvollsten Start-ups in Deutschland, endet eine Ära. Mitgründer Valentin Stalf wechselt in den Aufsichtsrat. Es dürfte den Neuanfang, den das Unternehmen braucht, erschweren. Weiterführende Links: Wie sich die N26-Stars über viele Jahre in den Abstieg gespielt haben Gründer Valentin Stalf wechselt in Aufsichtsrat von N26 N26 droht neuer Ärger mit der Finanzaufsicht Zum manager magazin Abo Der Tag – Die Wirtschaftsnachrichten als Newsletter Das manager magazin fasst den Tag für Sie zusammen: Die wichtigsten Wirtschaftsnachrichten im Überblick. Täglich ab 18:00 Uhr. Hier geht es zur Anmeldung! Dieser Podcast wurde produziert von Felix Klein, Selina Hegger und Sven Bergmann.+++ Alle Infos zu unseren Werbepartnern finden Sie hier. Die manager-Gruppe ist nicht für den Inhalt dieser Seite verantwortlich. +++ Alle Podcasts der manager Gruppe finden Sie hier. Mehr Hintergründe zum Thema erhalten Sie bei manager+. Jetzt drei Monate für nur € 10,- mtl. lesen und 50% sparen manager-magazin.de/abonnieren Informationen zu unserer Datenschutzerklärung.

Eoghan McCabe is the founder and CEO of Intercom, a customer service platform that has successfully pivoted to become an AI-first company with its agent product, Fin. After stepping away from the CEO role in 2020 due to health issues, Eoghan returned to find the company's growth had stalled. Just one month after his return, ChatGPT launched, and within six weeks, Intercom had a working prototype of what would become Fin. In this conversation, Eoghan shares the brutal reality of transforming a late-stage SaaS business valued at multiple billions into an AI-first company that's now growing faster than most public software companies.We discuss:1. Why Eoghan believes most late-stage companies won't survive the AI transition2. The “founder mode” transformation that required firing 40% of staff and resulted in 98% employee satisfaction3. Why having “nothing to lose” is the ultimate advantage in AI transformation (and why comfortable companies will fail)4. How Intercom transformed from a plateauing SaaS business to an AI-first company growing at 300%+5. How Intercom's pricing evolved from “the most hated in SaaS” to a model that charges just $0.99 per resolved ticket6. The cultural transformation required to compete with AI-native startups7. How 12 years of therapy and a period of “ego death” shaped Eoghan's leadership approach—Brought to you by:Great Question—Empower everyone to run great research: https://www.greatquestion.com/lennyWorkOS—Modern identity platform for B2B SaaS, free up to 1 million MAUs: https://workos.com/lennyDX—The developer intelligence platform designed by leading researchers: http://getdx.com/lenny—Transcript: ⁠https://www.lennysnewsletter.com/p/how-intercom-rose-from-the-ashes-eoghan-mccabe—My biggest takeaways (for paid newsletter subscribers): https://www.lennysnewsletter.com/i/170710700/my-biggest-takeaways-from-this-conversation—Where to find Eoghan McCabe:• X: https://x.com/eoghan• LinkedIn: https://www.linkedin.com/in/eoghanmccabe/• Website: https://eoghanmccabe.com/—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Introduction to Eoghan(05:00) The state of Intercom(09:53) The decision to pivot to AI(12:33) Why Eoghan is "anti-bot" in customer service(16:19) Pricing strategy evolution(19:26) Implementing the AI transformation(26:11) Cultural and organizational changes(31:18) Surviving a coup attempt(40:05) The future of AI and business(45:11) AI's impact on jobs(48:44) AI and human creativity(50:26) The importance of young AI talent(55:00) The cultural shift in AI adoption(58:00) Personal growth and leadership(01:04:34) Intercom's success in producing product leaders(01:11:05) Intercom's unique company culture(01:14:11) Lightning round and final thoughts—Referenced:• Intercom: https://www.intercom.com/• Fin: https://fin.ai/• Des Traynor on LinkedIn: https://www.linkedin.com/in/destraynor/• The art and science of pricing | Madhavan Ramanujam (Monetizing Innovation, Simon-Kucher): https://www.lennysnewsletter.com/p/the-art-and-science-of-pricing-madhavan• Pricing your AI product: Lessons from 400+ companies and 50 unicorns | Madhavan Ramanujam: https://www.lennysnewsletter.com/p/pricing-and-scaling-your-ai-product-madhavan-ramanujam• Brian Chesky's new playbook: https://www.lennysnewsletter.com/p/brian-cheskys-contrarian-approach• Behind the founder: Marc Benioff: https://www.lennysnewsletter.com/p/behind-the-founder-marc-benioff• Anthropic co-founder on quitting OpenAI, AGI predictions, $100M talent wars, 20% unemployment, and the nightmare scenarios keeping him up at night | Ben Mann: https://www.lennysnewsletter.com/p/anthropic-co-founder-benjamin-mann• Fergal Reid on LinkedIn: https://www.linkedin.com/in/fergalreid/• How Perplexity builds product: https://www.lennysnewsletter.com/p/how-perplexity-builds-product• Yosi Amram's website: https://yamram.com/• (Nathaniel Russell) Ego Death Now: https://heythereprojects.shop/products/copy-of-nathaniel-russell-space-is-a-place• Daniel Kahneman: https://en.wikipedia.org/wiki/Daniel_Kahneman• Palantir: https://www.palantir.com/• Stripe: https://stripe.com/• Revolut: https://www.revolut.com/en-US/• Paul Adams on LinkedIn: https://www.linkedin.com/in/pauladams• What AI means for your product strategy | Paul Adams (CPO of Intercom): https://www.lennysnewsletter.com/p/what-ai-means-for-your-product-strategy• Which companies accelerate PM careers most: https://www.lennysnewsletter.com/p/which-companies-accelerate-your-pm• N26: https://n26.com/en-eu• Notion: https://www.notion.so/• Coinbase: https://www.coinbase.com/• True Detective on Max: https://www.hbomax.com/shows/true-detective/9a4a3645-74e0-4e4d-9f35-31464b402357• 28 Years Later: https://www.imdb.com/title/tt10548174/• Trainspotting: https://www.imdb.com/title/tt0117951/• 28 Days Later: https://www.imdb.com/title/tt0289043/• Fellow: https://fellowproducts.com/• Porsche 911: https://www.porsche.com/usa/models/911/• Making Meta | Andrew ‘Boz' Bosworth (CTO): https://www.lennysnewsletter.com/p/making-meta-andrew-boz-bosworth-cto—Recommended book:• Nuclear War: A Scenario: https://www.amazon.com/Nuclear-War-Scenario-Annie-Jacobsen/dp/0593476093Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed. To hear more, visit www.lennysnewsletter.com

In this episode of Future Finance, host Glenn Hopper and co-host Paul Barnhurst welcome Nicolas Kopp, a visionary leader in the AI-native ERP space. Nicolas shares how AI is transforming finance operations by offering real-time visibility, automation, and a path to zero-day close. He explains how AI integration redefines financial workflows, from data ingestion and processing to output, offering a more streamlined approach compared to traditional systems.Nicolas Kopp is the founder and CEO of Rillet, the AI-native ERP designed to automate accounting and close books faster. Backed by Sequoia, Rillet empowers accountants by integrating AI seamlessly into financial workflows. Previously, Nicolas served as the US CEO of N26, a fintech bank valued at $9 billion, where he played a key role in leading its expansion into the US market. Prior to N26, he spent five years in investment banking at Morgan Stanley. Nicolas holds a BA from the University of St. Gallen in Switzerland and an MSc in Accounting from the London School of Economics.Expect to Learn:The difference between AI-native ERP systems and legacy systemsHow AI is transforming data ingestion and transaction processing in financeThe role of AI agents in automating finance workflows, from cash transfers to accrualsWhy legacy systems struggle to integrate AI and how ReLit does it differentlyThe typical implementation process for AI-native ERPs and how it compares to traditional ERP rolloutsNicolas Kopp provided an insightful look at the future of finance and the potential of AI-native ERP systems. His work with ReLit showcases how AI can transform finance operations, offering real-time visibility and automating complex workflows. From narrowing the scope of AI agents to building smarter systems, Nicolas' insights are invaluable for finance professionals looking to leverage AI for operational success. Follow Nicolas:LinkedIn - https://www.linkedin.com/in/nicolas-kopp/Website - https://www.rillet.com/Join hosts Glenn and Paul as they unravel the complexities of AI in finance:Follow Glenn:LinkedIn: https://www.linkedin.com/in/gbhopperiiiFollow Paul: LinkedIn - https://www.linkedin.com/in/thefpandaguyFollow QFlow.AI:Website - https://bit.ly/4i1EkjgFuture Finance is sponsored by QFlow.ai, the strategic finance platform solving the toughest part of planning and analysis: B2B revenue. Align sales, marketing, and finance, speed up decision-making, and lock in accountability with QFlow.ai. Stay tuned for a deeper understanding of how AI is shaping the future of finance and what it means for businesses and individuals alike.In Today's Episode:[01:10] - What Makes an AI-native ERP?[03:22] - Integrating AI into Legacy Systems[04:51] - Exploring AI Agents in Workflows[07:24] - How Close Are We to Autonomous AI Agents?[11:31] - The Challenge of Quick ERP Implementations[15:45] - Celebrating Success and Sequoia Backing

Die Berliner Digitalbank N26 hat neue Probleme mit der Aufsicht, die Geldgeber verlieren das Vertrauen in die beiden Unternehmensgründer.

In this episode of Future Finance, hosts Glenn Hopper and Paul Barnhurst sit down with Nicolas Kopp, the founder and CEO of Rillet, to discuss how AI is transforming finance operations. The episode dives deep into the practical applications of AI-native ERPs, with Nicolas explaining how his platform redefines general ledger management. The discussion explores the future of finance workflows, from the zero-day close to AI-driven automation in accounting tasks. It's a compelling conversation about integrating advanced technology into finance without needing deep technical expertise.Nicolas Kopp is the founder and CEO of Rillet, the AI-native ERP designed to automate accounting and close books faster. Backed by Sequoia, Rillet empowers accountants by integrating AI seamlessly into financial workflows. Previously, Nicolas served as the US CEO of N26, a fintech bank valued at $9 billion, where he played a key role in leading its expansion into the US market. Prior to N26, he spent five years in investment banking at Morgan Stanley. Nicolas holds a BA from the University of St. Gallen in Switzerland and an MSc in Accounting from the London School of Economics.In this episode, you will discover:How AI-native ERP systems like Rillet are revolutionizing general ledger operations.The process of automating complex accounting workflows with AI agents.Why finance leaders need to embrace AI and the practical steps to do so.The challenges and benefits of shifting from legacy systems to AI-driven platforms.How CFOs can leverage AI today, even without a dedicated tech team.Nicolas shared his journey from investment banking to leading Rillet, offering an inspiring look at how AI-native ERPs are transforming finance operations. His insights on automating workflows, achieving zero-day closes, and embracing AI-driven innovation provide essential guidance for finance leaders looking to stay ahead in the evolving landscape. This episode is a must-listen for professionals eager to drive change, innovate, and lead with purpose in the AI-powered future of finance.Follow Nicolas:LinkedIn - https://www.linkedin.com/in/nicolas-kopp/Website - https://www.rillet.com/Join hosts Glenn and Paul as they unravel the complexities of AI in finance:Follow Glenn:LinkedIn: https://www.linkedin.com/in/gbhopperiiiFollow Paul:LinkedIn - https://www.linkedin.com/in/thefpandaguyFollow QFlow.AI:Website - https://bit.ly/4i1EkjgFuture Finance is sponsored by QFlow.ai, the strategic finance platform solving the toughest part of planning and analysis: B2B revenue. Align sales, marketing, and finance, speed up decision-making, and lock in accountability with QFlow.ai. Stay tuned for a deeper understanding of how AI is shaping the future of finance and what it means for businesses and individuals alike.In Today's Episode:[02:57] - What is an AI Native ERP?[06:41] - AI Agents and Workflow[09:15] - The Future of AI Agents with Autonomy[11:47] - The Story Behind the General Ledger[16:15] - The ERP Implementation Process[23:43] - CFO...

In dieser Episode des Payment und Banking Fintech Podcasts diskutieren André und Jochen die wichtigsten Neuigkeiten aus dem Juli 2025. Die Themen reichen von der Konsolidierung im Bereich digitale Identität über Personalwechsel bei N26 bis hin zu neuen Produkten und Kooperationen von Fintechs wie eToro, Ivy und Allunity. Auch die Herausforderungen im InsurTech-Bereich, die Evolution von Zahlungsterminals bei SumUp und die Entwicklungen bei großen Neobanken wie Revolut und Monzo werden behandelt. Die Episode bietet einen umfassenden Überblick über die aktuellen Trends und Entwicklungen in der Fintech-Branche.

Simon Schmincke, Partner bei Creandum, spricht über die wichtigsten Kriterien für eine erfolgreiche Series A. Mit Investments in Unternehmen wie N26 und Trade Republic teilt Simon, worauf VCs wirklich achten, warum Umsatz nicht alles ist und wie man als Gründer den Fundraising-Prozess richtig timed. Was du lernst: Die zwei wichtigsten Kriterien für Series A Investoren Wie du den Fundraising-Prozess richtig strukturierst Warum Produkt-Love wichtiger sein kann als früher Umsatz Wie du mit Term Sheets und Timing umgehst ALLES ZU UNICORN BAKERY: https://zez.am/unicornbakery  Mehr zu Simon: LinkedIn: https://www.linkedin.com/in/simonschmincke/  CREANDUM: https://www.creandum.com/  Join our Founder Tactics Newsletter: 2x die Woche bekommst du die Taktiken der besten Gründer der Welt direkt ins Postfach: https://www.tactics.unicornbakery.de/ 

Trotz Hitze keine Spur von Sommerpause: Jochen Siegert und André M. Bajorat arbeiten sich durch den Fintech-News-Berg des Monats – von Millionenrunden über neue Produkte bis hin zu strategischen Neuausrichtungen bei Klarna, N26 & Revolut.

Unsere beiden heutigen Gäste sind Gründer, Produktstrategen und leidenschaftliche Technologen, mit einem klaren Ziel: die Kundenkommunikation mit Hilfe von Künstlicher Intelligenz grundlegend neu zu denken. Der eine studierte an der WHU, an der University of Texas und in Shanghai, gründete bereits ein eigenes Start-up im Creator-Tech-Bereich und arbeitete bei Roland Berger, Infosys und Enpal. Was ihn auszeichnet: ein tiefes Verständnis für digitale Geschäftsmodelle und der Wille, komplexe Technologien so zu gestalten, dass sie echten Mehrwert schaffen. Der andere absolvierte seinen Bachelor in Computer Science an der Stanford University und startete dort auch einen Master, den er zur Hälfte abschloss, um sich ganz dem Unternehmertum zu widmen. Nach Stationen bei N26, BCG Digital Ventures, Circ und zuletzt als Software Engineer und Product Manager bei Pitch ist er heute Co-Founder und CTO von telli. Seine Schwerpunkte: künstliche Intelligenz, Human-Computer-Interaction und der Brückenschlag zwischen Technologie und Nutzererlebnis. Mit ihrem gemeinsamen Unternehmen telli entwickeln sie eine KI-gestützte Lösung, die es Unternehmen ermöglicht, ihre gesamte Kundenkommunikation über ein intelligentes System zu führen: automatisiert, empathisch und effizient. Ihr Ziel ist es, das Kundenerlebnis neu zu definieren und Menschen in Unternehmen zu entlasten, indem repetitive Kommunikationsaufgaben künftig von einer digitalen Instanz übernommen werden können. Seit über acht Jahren beschäftigen wir uns in diesem Podcast mit der Frage, wie Arbeit den Menschen stärkt, statt ihn zu schwächen. In fast 500 Gesprächen mit über 600 Menschen haben wir darüber gesprochen, was sich für sie geändert hat und was sich noch ändern muss. Was passiert mit Kundenbeziehungen, wenn Künstliche Intelligenz zum ersten Ansprechpartner wird? Wie gelingt es, technologische Effizienz mit menschlicher Empathie zu verbinden und ist das überhaupt möglich? Und was heißt „New Work“ in einer Zukunft, in der Kommunikation zunehmend automatisiert, aber dennoch bedeutungsvoll bleiben soll? Fest steht: Für die Lösung unserer aktuellen Herausforderungen brauchen wir neue Impulse. Und darum suchen wir weiter nach Methoden, Vorbildern, Erfahrungen, Tools und Ideen, die uns dem Kern von New Work näherbringen. Darüber hinaus beschäftigt uns von Anfang an die Frage, ob wirklich alle Menschen das finden und leben können, was sie im Innersten wirklich, wirklich wollen. Ihr seid bei On the Way to New Work, heute mit Finn zur Mühlen und Seb Hapte-Selassie von telli. [Hier](https://linktr.ee/onthewaytonewwork) findet ihr alle Links zum Podcast und unseren aktuellen Werbepartnern

Bob Baxley is a design leader who has shaped products used by billions at Apple, Pinterest, Yahoo, and ThoughtSpot. During his eight years at Apple, he led design for the online store and the App Store, and witnessed the iPhone's transformative launch while working under Steve Jobs. A student of history turned software craftsman, Bob discovered his calling after exploring photography, filmmaking, and music, ultimately recognizing software as the most powerful creative medium of our time. Bob champions the moral obligation designers have to reduce frustration in people's daily digital interactions.What you'll learn:• Why design should report to engineering, not product• The “Beatles principle”—why the best products come from teams of 4 to 6, not 40 to 60• How to create design tenets vs. principles (with real examples)• The counterintuitive reason to delay drawing or prototyping as long as possible• Why software is fundamentally a medium, like film or music (not just a tool)• Why Bob “bounced off the culture” at Pinterest, and lessons from failure• The lunar landing story that teaches us about championing radical ideas• How to evaluate if a company truly values design before joining• The moral obligation of software makers to build great products—This entire episode is brought to you by Stripe—helping companies of all sizes grow revenue.—Where to find Bob Baxley:• Instagram: https://www.instagram.com/baxley/• LinkedIn: https://www.linkedin.com/in/bbaxley/• Website: http://www.bobbaxley.com/—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Introduction to Bob Baxley(03:52) Apple's lasting culture(06:15) Navigating unique company cultures(13:19) Finding a company that truly values your role(15:46) What is design?(17:17) How to help founders understand the value of design(23:08) How to align product managers and designers(26:31) Design reporting to engineering(30:54) Integrating engineers early in the design process(33:43) The maker mindset(35:14) Challenging the assumption that design is time-intensive(38:04) Design tenets vs. design principles(45:25) The moral obligation of great design(51:48) Understanding software as a medium(01:01:20) Reducing ambiguity for product teams(01:07:04) Giving designers space for creativity(01:08:48) The "primal mark" concept(01:12:05) AI prototyping tools: benefits and risks(01:17:00) AI as a life coach(01:21:22) Life lessons from the Apollo program(01:28:24) Lightning round and final thoughts—Referenced:• Steve Jobs: https://en.wikipedia.org/wiki/Steve_Jobs• Walt Disney: https://en.wikipedia.org/wiki/Walt_Disney• Pinterest: https://www.pinterest.com/• X: https://x.com/• Uber: https://www.uber.com/• Airbnb: https://www.airbnb.com/• Slack: https://slack.com/• Ed Catmull on X: https://x.com/edcatmull• John Lasseter on X: https://x.com/johnlasseter5• Apple patented a pizza box, for pizzas: https://www.theverge.com/2017/5/16/15646154/apple-pizza-box-patent-come-on• Humane: https://en.wikipedia.org/wiki/Humane_Inc.• Jony Ive: https://en.wikipedia.org/wiki/Jony_Ive• Tony Fadell on LinkedIn: https://www.linkedin.com/in/tonyfadell/• Hiroki Asai on LinkedIn: https://www.linkedin.com/in/hiroki-asai-a44137110/• Tim Cook on X: https://x.com/tim_cook• ThoughtSpot: https://www.thoughtspot.com/• Ben Silbermann on LinkedIn: https://www.linkedin.com/in/silbermann/• Ajeet Singh on LinkedIn: https://www.linkedin.com/in/ajeetsinghmann/• Honeywell: https://www.honeywell.com• IDEO: https://www.ideo.com/• Nutanix: https://www.nutanix.com/• Lego: https://www.lego.com/• Leica: https://leica-camera.com/• Porsche: https://www.porsche.com/• Patagonia: https://www.patagonia.com• Brian Eno's website: https://www.brian-eno.net/• Scenius: why creatives are stronger together: https://thecreativelife.net/scenius/• The Beatles website: https://www.thebeatles.com/• Disneyland: https://disneyland.disney.go.com/destinations/disneyland/• Tomorrowland: https://disneyland.disney.go.com/destinations/disneyland/tomorrowland/• Unconventional product lessons from Binance, N26, Google, more | Mayur Kamat (CPO at N26, ex-Binance Head of Product): https://www.lennysnewsletter.com/p/unorthodox-product-lessons-from-n26-and-more• Larry Page: https://en.wikipedia.org/wiki/Larry_Page• Sergey Brin: https://en.wikipedia.org/wiki/Sergey_Brin• Design Principles: https://principles.design/• Tableau: https://www.tableau.com/• Figma: https://www.figma.com/• Target self-checkout: https://corporate.target.com/press/fact-sheet/2024/03/checkout-improvements• Everyone's an engineer now: Inside v0's mission to create a hundred million builders | Guillermo Rauch (founder and CEO of Vercel, creators of v0 and Next.js): https://www.lennysnewsletter.com/p/everyones-an-engineer-now-guillermo-rauch• eBay: https://www.ebay.com/• Williams Sonoma: https://www.williams-sonoma.com/• Amazon: https://www.amazon.com/• Monument to a Dead Child | Raw Data: https://podcasts.apple.com/ca/podcast/monument-to-a-dead-child/id1042137974• Toast: https://pos.toasttab.com/• The Primal Mark: How the Beginning Shapes the End in the Development of Creative Ideas: https://www.gsb.stanford.edu/faculty-research/publications/primal-mark-how-beginning-shapes-end-development-creative-ideas• The Plant: https://pixar.fandom.com/wiki/The_Plant• Microsoft CPO: If you aren't prototyping with AI you're doing it wrong | Aparna Chennapragada: https://www.lennysnewsletter.com/p/microsoft-cpo-on-ai• How have I been complicit in creating the conditions I say I don't want? | Jerry Colonna (CEO of Reboot, executive coach, former VC): https://www.lennysnewsletter.com/p/jerry-colonna• Joff Redfern on LinkedIn: https://www.linkedin.com/in/mejoff/• John C. Houbolt: https://www.nasa.gov/centers-and-facilities/langley/john-c-houbolt/• The Apollo program: https://www.nasa.gov/the-apollo-program/• Archive clip: JFK at Rice University, Sept. 12, 1962—“We choose to go to the moon”: https://www.youtube.com/watch?v=QXqlziZV63k• Alan Shepard: https://www.nasa.gov/former-astronaut-alan-shepard/• Blue Origin: https://www.blueorigin.com/• Yuri Gagarin: https://en.wikipedia.org/wiki/Yuri_Gagarin• Wernher von Braun: https://en.wikipedia.org/wiki/Wernher_von_Braun• Yuri Kondratyuk: https://en.wikipedia.org/wiki/Yuri_Kondratyuk• John Houbolt's memo: https://space.stackexchange.com/questions/2823/text-of-john-houbolts-letter-proposing-lunar-orbit-rendezvous-for-apollo• Severance on AppleTV+: https://tv.apple.com/us/show/severance/umc.cmc.1srk2goyh2q2zdxcx605w8vtx• Lawrence of Arabia on Prime Video: https://www.amazon.com/Lawrence-Arabia-Peter-OToole/dp/B0088OINTU• Leica M6: https://leica-camera.com/en-US/photography/cameras/m/m6• Habitica: https://habitica.com/static/home• Andor on Disney+: https://www.disneyplus.com/browse/entity-faba988a-a9f5-45f2-a074-0775a7d6f67a• Edward Tufte quote: https://quotefancy.com/quote/1449650/Edward-Tufte-Good-design-is-clear-thinking-made-visible-bad-design-is-stupidity-made• Ansel Adams quote: https://www.brainyquote.com/quotes/ansel_adams_106035• It Takes a Village to Determine the Origins of an African Proverb: https://www.npr.org/sections/goatsandsoda/2016/07/30/487925796/it-takes-a-village-to-determine-the-origins-of-an-african-proverb• Henry Modisett on LinkedIn: https://www.linkedin.com/in/henrymodisett/• Perplexity: https://www.perplexity.ai/• Golden State Warriors: https://www.nba.com/warriors/• Steph Curry: https://www.espn.com/nba/player/_/id/3975/stephen-curry—Recommended books:• From Counterculture to Cyberculture: Stewart Brand, the Whole Earth Network, and the Rise of Digital Utopianism: https://www.amazon.com/Counterculture-Cyberculture-Stewart-Network-Utopianism/dp/0226817423• Hare Brain, Tortoise Mind: How Intelligence Increases When You Think Less: https://www.amazon.com/Hare-Brain-Tortoise-Mind-Intelligence/dp/0060955414• The Elements of Typographic Style: https://www.amazon.com/Elements-Typographic-Style-Robert-Bringhurst/dp/0881791326• Zen and the Art of Motorcycle Maintenance: An Inquiry into Values: https://www.amazon.com/Zen-Art-Motorcycle-Maintenance-Inquiry/dp/0060589469• Time and the Art of Living: https://www.amazon.com/Time-Art-Living-Robert-Grudin/dp/0062503553/—Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.lennysnewsletter.com/subscribe

Neobanks are 100% digital. They run exclusively through mobile apps, with no brick-and-mortar premises. They offer customers a user-first design, and promise low cost banking operations. There are more and more neobanks around, drawing in millions of users and rivalling traditional banks, although they don't technically hold the same status.  Don't confuse neobanks with digital banks, which are usually the online-only arms of bigger players in the banking sector. You may have heard of the SanFrancisco based neobank Chime, which is the leader in the US at the moment. But brands like N26, Revolut and Monzo are also bringing over their expertise from Europe, where the online-only trend is further ahead. All were created in the late 2010s. So why would I want to try a neobank then? So what about our traditional brick-and-mortar banks? They're not just going to disappear are they? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How can I reduce damp and mould in your home?⁠ ⁠Why do I get vertigo?⁠ ⁠How can I sleep well with a blocked nose?⁠ A Bababam Originals podcast, written and produced by Joseph Chance. First Broadcast: 26/4/2020 Learn more about your ad choices. Visit megaphone.fm/adchoices

Mayur Kamat is the chief product officer at N26—a $9 billion neobank serving over 7 million customers in 25 countries—where he leads product, design, data, and research. Prior to N26, Mayur was Head of Product at Binance, growing the crypto exchange to a peak $400 billion valuation. Earlier in his career, he built and scaled products at Google (Gmail Mobile, Hangouts), Microsoft, and travel unicorn Agoda.Learn:1. How to find and focus on the highest-leverage problems2. Why you shouldn't optimize for compensation early in your career3. Why you should optimize for strengths, not weaknesses4. Why you need to decide if you truly want the C-suite path5. Why working at a fintech company creates exceptional PMs6. Strategy = hypothesis × experimentation velocity7. Small, fast wins compound faster than big, slow bets—Brought to you by:• WorkOS—Modern identity platform for B2B SaaS, free up to 1 million MAUs• Paragon—Ship every SaaS integration your customers want• Vanta—Automate compliance. Simplify security.—Where to find Mayur Kamat:• X: https://x.com/5degreez• LinkedIn: https://www.linkedin.com/in/mayur/—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Introduction and Mayur's background(04:49) Working at Binance: An inside look(18:18) Career advice for product managers(27:00) PM career paths(33:58) Understanding fintech customers(36:00) Understanding your strengths(44:46) Creating a culture of experimentation(51:14) Hiring and developing top talent(54:50) Building a diverse product portfolio(57:08) Working in high talent density areas(59:43) Personal and professional balance(01:06:32) High-leverage opportunities and decision making(01:14:28) AI tools in the workplace(01:19:14) Failure corner(01:25:11) Lightning round and final thoughts—Referenced:• Binance: https://www.binance.us/• Google: https://about.google/• Microsoft: https://www.microsoft.com/• Agoda: https://www.agoda.com• N26: https://n26.com/• Which companies accelerate PM careers most: https://www.lennysnewsletter.com/p/which-companies-accelerate-your-pm• Which companies produce the best product managers: https://www.lennysnewsletter.com/p/which-companies-produce-the-best• Bezos Says Work-Life Balance is a “Debilitating” Phrase: https://www.investopedia.com/news/bezos-says-worklife-balance-debilitating-phrase/• Maslow's Hierarchy of Needs: https://www.simplypsychology.org/maslow.html• PayPal Mafia: https://en.wikipedia.org/wiki/PayPal_Mafia• Changpeng Zhao on LinkedIn: https://www.linkedin.com/in/cpzhao/• Ray Dalio on LinkedIn: https://www.linkedin.com/in/raydalio/• Porter's five forces: https://en.wikipedia.org/wiki/Porter%27s_five_forces_analysis• Jonathan Rosenberg on X: https://x.com/jjrosenberg• Aura: https://buy.aura.com/• Intercom: https://www.intercom.com/• Palantir: https://www.palantir.com/• Revolut: https://www.revolut.com/• Chime: https://www.chime.com/• Stripe: https://stripe.com/• Dropbox: https://www.dropbox.com/• Alex Algard on LinkedIn: https://www.linkedin.com/in/alexalgard• Hiya: https://www.hiya.com/• Brian Chesky's new playbook: https://www.lennysnewsletter.com/p/brian-cheskys-contrarian-approach• Gemini: https://gemini.google.com/app• Writer: https://writer.com/• Google Hangouts: https://en.wikipedia.org/wiki/Google_Hangouts• Sundar Pichai on LinkedIn: https://www.linkedin.com/in/sundarpichai/• Google Meet: https://meet.google.com/landing• House on Hulu: https://www.hulu.com/series/ef39603f-eb90-4248-8237-f6168d7c1be1• Big Bang Theory on Hulu: https://www.hulu.com/series/9bde5aeb-5297-4290-b173-19a4d59cc11d• Adolescence on Netflix: https://www.netflix.com/title/81756069• The White Lotus on HBO: https://www.hbo.com/the-white-lotus• Robinhood: https://robinhood.com/us/en/• Nikita Bier's post on X about Bible Chat: https://x.com/nikitabier/status/1915252215507210349• Bible Chat: https://apps.apple.com/us/app/bible-chat-daily-devotional/id6448849666?mt=8• Suno: https://suno.com/home• Disfrutar: https://www.disfrutarbarcelona.com/—Recommended books:• StrengthsFinder 2.0: https://www.amazon.com/StrengthsFinder-2-0-Tom-Rath/dp/159562015X• The 5 Types of Wealth: A Transformative Guide to Design Your Dream Life: https://www.amazon.com/Types-Wealth-Transformative-Guide-Design/dp/059372318X—Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.lennysnewsletter.com/subscribe

Aujourd'hui, plongée exceptionnelle dans les coulisses de N26 et leur stratégie crypto explosive

German challenger bank N26 was an investor darling, backed by Peter Thiel, Tencent, and Li Ka-Shing. The company, founded in 2014, was one of the original banking disruptors but ran into a major hurdle when German regulator BaFin put a cap on how many new customers it could take due to concerns around money laundering controls. The cap expired last year - N26 has seen a jump in new customers and is forecasting a 40% revenue rise for this year. Bloomberg's Caroline Hepker and Tom Mackenzie spoke to Founder and CEO Valentin Stalf about the bank's bounce on revenue and customer growth, plans to come to public markets, and thoughts on regulation.See omnystudio.com/listener for privacy information.

Mehr als fünf Millionen Menschen nutzen inzwischen die Banking-App von N26. Im OMR Podcast spricht Gründer Valentin Stalf darüber, wann man angefangen habe, groß zu denken, wieso das zukünftige Geschäft stärker um Themen wie Hypothekenvergabe oder Mobilfunkverträge kreist – und welche Konsequenzen das Team aus den langjährigen Beschränkungen der Finanzaufsicht Bafin gezogen hat.

Nelly ist ein innovatives Start-up, das sich auf die Optimierung von Prozessen in Arztpraxen spezialisiert hat, insbesondere durch die Digitalisierung der Patientenaufnahme und anderer administrativer Abläufe. Diese Maßnahmen sollen den Fachkräften mehr Zeit für ihre eigentliche Arbeit mit den Patienten verschaffen und gleichzeitig die Effizienz in den Praxen steigern. Niklas Radner, der vor zwölf Jahren seine Karriere in der Start-up-Welt begann und maßgeblich an Projekten wie Foodora, N26 und Klarna beteiligt war, teilt in diesem Interview seine wertvollen Erfahrungen und erzählt von den Herausforderungen und Erfolgen, die er auf seinem Weg erlebt hat. #Digitalisierung #Gesundheitswesen #Start-up #Nelly #Prozessoptimierung #Teamkultur #Unternehmenswachstum #Bürokratieabbau #Gründer #Erfolgsstrategie # Zahnarztpraxis #Fachkräftemangel #Teamarbeit #Herausforderungen #Unternehmenskultur #Patientenmanagement #Workflow-Automatisierung #Digitalisierung im Gesundheitswesen