𝗚𝗲𝗿𝗺𝗮𝗻𝘆’𝘀 𝗳𝗶𝗻𝘁𝗲𝗰𝗵 𝗮𝗻𝗱 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝘀𝗲𝗰𝘁𝗼𝗿 𝗶𝘀 𝗮𝘁 𝗮 𝘁𝘂𝗿𝗻𝗶𝗻𝗴 𝗽𝗼𝗶𝗻𝘁.

Fewer startups, fewer unicorns—but stronger scale-ups and a shift toward sustainable growth over rapid expansion. As funding dynamics change and regulatory scrutiny tightens, who will thrive in 2025?
Our latest report unpacks the industry’s key forces—from embedded finance and AI innovation to the growing importance of compliance and consumer trust.

𝗞𝗲𝘆 𝗜𝗻𝘀𝗶𝗴𝗵𝘁𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗥𝗲𝗽𝗼𝗿𝘁:
– 2024 was the year of scale-ups & SME dominance – fewer unicorns but stronger market positioning.
– AI-driven solutions & embedded finance will continue reshaping the ecosystem.
– Consumer behavior in Germany remains risk-averse, impacting digital adoption rates.
– Regulation remains complex – upcoming regulations might impact the outsourcing appetite.

𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻 𝗳𝗼𝗿 𝗯𝗮𝗻𝗸𝘀 & 𝗳𝗶𝗻𝘁𝗲𝗰𝗵𝘀?
Success in 2025 will require differentiation, compliance-first strategies, and customer-centric innovation. Those who can balance profitability with strategic expansion will thrive.

𝗕𝗲𝘆𝗼𝗻𝗱 𝘁𝗵𝗲 𝘁𝗿𝗲𝗻𝗱𝘀 – 𝗪𝗵𝗮𝘁’𝘀 𝗶𝗻𝘀𝗶𝗱𝗲 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗿𝗲𝗽𝗼𝗿𝘁?
– 𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗖𝗮𝘀𝗲 𝗦𝘁𝘂𝗱𝗶𝗲𝘀: Lessons from fintech successes (and failures) in Germany, including Raisin, Pliant, and Solaris SE.
– 𝗕𝗮𝗻𝗸 𝗖𝗮𝘀𝗲 𝗦𝘁𝘂𝗱𝗶𝗲𝘀: List of German banks (Sparkasse, LBBW, Commerzbank AG, Bankhaus Metzler, Baader Bank AG, Deutsche Bank, etc.) testing AI use cases.
– 𝗘𝘅𝗽𝗲𝗿𝘁 𝗶𝗻𝘀𝗶𝗴𝗵𝘁𝘀: Industry leaders Achim Oelgarth, Jochen Siegert, Michael Stephan, Jochen Biedermann, Anne-Sophie Gógl (ehem. Braun), Karolina Decker, Michael Offermann, weigh in on what’s ahead for 2025.
– 𝗠𝗮𝗿𝗸𝗲𝘁 𝗲𝗻𝘁𝗿𝘆 𝗽𝗹𝗮𝘆𝗯𝗼𝗼𝗸: Key strategies for fintechs and banks entering the German market.
– 𝗘𝘅𝗰𝗹𝘂𝘀𝗶𝘃𝗲 𝗽𝗲𝗿𝗸𝘀: Discount codes for top fintech & banking events of 2025, including the Digital Euro Conference, Merchant Payments Ecosystem, PEX – Payment Exchange, BEX – Banking Exchange, and FIBE Berlin.

Download the complete report now (complimentary): https://lnkd.in/dKSfZDK6

Elif Kocaoğlu Ulbrich
Gazi University Faculty of Law graduate Ş. Elif Kocaoğlu Ulbrich has degrees in Private Law from Galatasaray University and MBA from WHU – Otto Beisheim School of Management, and is also a fellow of Jean Monnet, Joachim Herz Stiftung. After working as a lawyer in various international law firms in Istanbul and Ankara for more than six years, Denizbank A.Ş. She started her banking and finance career in 2013, specializing in business development, project management, FinTech regulation and lobbying activities at FinTech startups (FinLeap, Cringle, Lendico) in Hamburg and later in Berlin. Co-author of The PAYTECH Book, The AI ​​Book and The LegalTech Book, which are planned to be published in 2020 in cooperation with FINTECH Circle and Wiley, Kocaoğlu Ulbrich has been providing consultancy, training and publishing services since 2019 through Berlin-based Contextual Solutions, which she is the founder of.